The mortgage is overdue. Why don't banks send messages every day?

That's because the methods used in stages are different.

At present, most banks provide three-day service, so it may not have terrible consequences if the bank credit card is overdue for one or two days. Some banks have a time limit of not three days, depending on the bank's regulations.

Within one week and half a month after the deadline, you will receive a bank reminder message.

If it exceeds a month or a billing date, the bank will collect it.

If it is overdue for more than three months, the bank will send relevant personnel to collect it at home.

If you are overdue for more than half a year, the bank will outsource your bill to a collection company for collection.

If it is overdue for more than one year, banks will basically choose to sue in court. If the court still refuses to perform, the bank can apply to the court for enforcement!

After the deadline, if your credit report exceeds the minimum credit tolerance stipulated by the bank, it will be judged as bad credit and enter the blacklist of the bank.

However, if the amount owed is small, such as one or two dollars, dozens of dollars, and the overdue times are few, banks generally will not think that you owe money maliciously, but will interpret it as the negligence of the cardholder when repaying, that is, the arrears caused by malicious carelessness. Generally speaking, the bank's tolerance limit is "three consecutive six", that is, three times in a year and six times overdue. Within this range, the loan application can still be submitted normally.

Extended data

Late 1 day will also receive credit information. The People's Bank of China won't care why you are overdue. As long as you are overdue, it will be recorded in the system immediately. Personal credit report is an objective record. No matter whether 1 day is overdue or 90 days is overdue, it will be recorded truthfully. Credit card overdue 1-30 days is marked as 1, 3 1-60 days is 2, and so on, 180 days is 6; The larger the number, the more serious the overdue.

In addition, there will be no "good or bad" comments in the personal credit report, and there will be no distinction between "good and bad" debts. There is no "blacklist" in the credit information system. The Credit Information Center of the People's Bank of China will only record the credit information truthfully, and will not make a qualitative judgment on the personal credit quality.

Credit: Some online lending platforms will also report overdue records. The specific time is different for each platform.

About Sesame Credit: The platform of Sesame Credit was recorded in the bad record of Sesame Credit after it was overdue, and at the same time, with the decline of Sesame Credit Score, the borrowing flower was closed.

Overdue fee: after overdue, you will have to bear a high overdue fee. For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management or other various names, the charging standard is very high. Therefore, those who have the ability to repay on time should never be overdue.

Can't borrow money: it is difficult to apply for a loan after the deadline.

Phoenix Net-This common sense must be spread abroad! Overdue 1 day, overdue for 90 days, overdue 180 days, very different.