Consequences of overdue credit card of Wenzhou Bank

If the bank credit card is overdue, it will not only require the cardholder to pay the bank late payment fee and interest, but also affect the cardholder's personal credit record. /kloc-If there are three or more bad records (overdue for three times) within 0/2 months, the bank can synchronize the bad records with the People's Bank of China, and the cardholder's application for credit card, car loan and mortgage in various banks in the next five years may be rejected.

Therefore, to keep in mind your final repayment date, you can open SMS reminder service or pay attention to the official account of bank WeChat to keep abreast of your repayment information; If you need to go out before the final repayment date, it is recommended to repay in advance; If you can't repay in time because you are out, you can call customer service to explain the situation and apply for deferred repayment, which usually takes 2 to 4 days; If the repayment cannot be made in time due to financial reasons, it is suggested that the minimum repayment amount must be paid to ensure that the credit card overdue record will not be generated.

If the credit card is overdue, you must not cancel the credit card immediately after full repayment, but insist on using the card for more than two years after full repayment, and ensure that the credit is good during the use of the card, so that the overdue record of the credit card can be deleted from the credit information system by rolling records.