1. How long is the credit card overdue?
Whether the credit card is overdue is seri
1. How long is the credit card overdue?
Whether the credit card is overdue is serious mainly depends on the degree of overdue credit card. If the credit card is overdue for less than 30 days, although it is a bad credit record, it is not seriously overdue.
If your credit card is overdue for more than 60 days but not more than 90 days, then your credit card is moderately overdue.
If your credit card is overdue for more than 90 days, it is a very serious credit card overdue and has entered the bank blacklist.
Second, what should I do if my credit card is overdue?
An official response was made to the People's Bank of China regarding the overdue credit card. Zhang Hui said that he would do his best to help debtors with overdue credit cards, reduce the repayment pressure of debtors with overdue credit cards to an acceptable range, and let everyone who uses credit cards accept a one-month repayment limit.
Prior to this, according to the relevant provisions of the Civil Code and relevant departments, credit card holders can apply to the bank for a personalized installment repayment plan due to special circumstances, with a maximum period of no more than 5 years and 60 installments.
3. How long can overdue credit records be eliminated?
1. At present, according to the relevant regulations of China, when the credit card account is cancelled or deactivated, the overdue record of personal credit information will be kept for 5 years. Five years starts from the termination date of bad behavior of credit card debtors, and timely repayment is required.
2. If the credit card is overdue, I have a bad credit record. If you continue to use the credit card account healthily, and keep the monthly healthy use record for two years. Because the current bank credit inquiry is a rolling mechanism, you can query the usage records within 24 months at most, so that you can have a healthy usage record to cover the previous bad records.
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