; ? Overdue credit cards will not only affect personal credit, but also generate high interest charges. I don't want my credit to get worse and worse, and my debts are high. Pay off my credit card debts quickly. Many people think that it's okay to pay off the credit card after it's overdue, but it's not exactly the case. Then, what should I do if my credit card is overdue? Let's have a look.
What should I do after I pay off my overdue credit card?
The overdue credit card has been paid off, but the debt problem has been solved, and the credit investigation has not been resumed. There are still overdue records in the letter newspaper, which still has an impact on the credit business of handling credit information in the future. However, if you can continue to use the credit card to repay on time and generate new credit records, you can slowly cover the overdue records.
As we all know, the use of credit cards may be restricted by banks, so it is best to know the current status of credit cards, mainly to see whether they are frozen or stopped by banks. If you haven't received the notice that the bank will freeze and stop paying the credit card, you can use the credit card to pay online if there is a credit card limit to see if it can be successful.
1, the successful transaction indicates that the credit card status is normal. We should standardize the use of cards in the future. In addition to increasing the frequency of credit card swiping, it is also necessary to diversify consumption, especially online payment, including WeChat and Alipay. Nowadays, many banks have points in online transactions, which are not easily controlled by banks.
2. The transaction failed and many merchants replaced it. Credit cards may be frozen or stopped. The cardholder can call the issuing bank to transfer the current credit card status to manual customer service, and whether the credit card can be restored. It's best to tell the customer service that it's not malicious overdue and ensure that the card can be used well in the future. If the overdue period is not serious, it can be resumed.
The above is the introduction of "What to do if the credit card is overdue", and I hope it will help everyone.
How to resume credit investigation when there is a settlement voucher overdue?
Method of recovering credit information with settlement voucher after overdue:
1. Apply for grace period. If you find that your credit card is overdue, you should repay it in full as soon as possible and call the issuing bank in time to explain that the situation is not malicious delay. Ask the bank if it will cause bad credit records. If there is a bad record, see if you can cancel the record or ask the bank to do further processing.
2. Explain the special circumstances. If due to special circumstances: illness, unemployment or accidents, you can take the initiative to communicate with the issuing bank by phone before the repayment date, explain the special circumstances and provide corresponding certificates. Or pay in installments.
3. The new record will replace the old record. After the bad record occurs, if the credit card is repaid in time and continues to be used, the credit information system will generate a new record, because the credit information system of the central bank will record the repayment information flow of personal credit cards for 24 months. When the previous bad record is more than 24 months, the new record will overwrite the old record and the previous bad information. However, if you stop using the arrears card, the old records will not be updated and the bank will find bad information.
How to restore credit after overdue payment?
1. If the credit card is overdue due to special circumstances, the user can apply to the bank for credit adjustment. Credit cards are overdue for many reasons. If the credit card is overdue for some uncontrollable reasons, we can apply to the bank credit card center for adjustment of credit information. According to the Regulations on Credit Management, if an individual's non-malicious breach of contract leads to the overdue credit card, the individual can provide relevant documents to initiate an objection application to the credit management center. After the application is passed, the credit management center will adjust the overdue credit information of the individual.
2. Continue to use the credit card and repay the loan on time until the new credit record covers the old credit record. If the overdue credit card is caused by personal reasons, then our credit cannot be adjusted and we can only accept the fact that the credit is tainted. However, credit information is not static, and we can cover overdue credit information records through the continuous use of credit cards.
3. According to the requirements of credit management, personal credit information is only recorded for nearly five years. After the credit card is overdue, we can continue to use the credit card and repay it on time. Then after five years overdue, the new credit record will overwrite the original overdue record.
4. Take the initiative to get in touch with the bank and explain the overdue situation, get approval from the bank and cancel the overdue record. When our credit card is overdue, we should take the initiative to contact the bank credit card center and tell the bank credit card center the reasons for the overdue credit card, which may be recognized by the bank and cancel the overdue record.
If the reason of our credit card overdue is beyond our control, the bank credit card center will cancel our overdue record. If our credit card is overdue on purpose, then the bank credit card center will not cancel our overdue record.
6. After overdue repayment, overdue records will be uploaded to the credit information system of China People's Bank. If the user fails to repay the loan, the overdue record will be kept and the bad credit cannot be recovered. If the user returns overdue arrears, the overdue records shall be kept for 5 years from the date of settlement. Five years later, the credit information will be automatically deleted by the credit information system of the People's Bank of China, so that the credit information can be restored after five years. Therefore, the premise of credit recovery is to settle overdue debts, otherwise bad records will remain in the credit.
Can personal credit information be cleared after it is overdue?
I can't.
There is no way to eliminate the overdue record of personal credit information. If it is paid off after the deadline, it will be kept for 5 years.
Occasionally overdue records will be automatically eliminated after 5 years. If it is overdue, the overdue record will always be recorded in the credit report and will never disappear.
It should be noted that if the overdue records in the credit information are inaccurate, the relevant institutions can issue certificates at this time, and then apply for cancellation to the branches of the People's Bank of China. If the evidence is conclusive, it will generally be cancelled. Except the People's Bank of China, no other institution has the right to modify credit information.
When personal credit information becomes bad, it will affect the handling of various loans. When handling, banks will first pay attention to credit information. If the credit information is not good, it is very likely that banks will refuse to accept it. In order to avoid personal credit deterioration, users must repay on time after handling all kinds of loans to avoid overdue.
The channels for personal credit inquiry include the branches of the People's Bank of China (version 7. 1.7), the official website Credit Information Center of the People's Bank of China and the bank counter; When inquiring through official website, the Credit Information Center of China People's Bank, you must register before you can inquire; Everyone chooses the query method that suits them according to the actual situation.
Bad credit information is kept for 5 years, and credit information inquiry records are kept for 2 years;
Generally, on the credit report, in the column of records inquired, there will be a line showing "records inquired in the credit report in the last two years".
In other words, from the date of inquiry records, all inquiry information within two years will be displayed on the credit records.
Loans overdue and other records in the consultation report will be kept for five years.
But it should be noted that the disappearance of records after five years here refers to five years from the date when the arrears are paid off.
Methods to eliminate overdue records of personal credit information
1, short-term overdue, take the initiative to contact the bank after making up the arrears; Not all overdue records will be immediately displayed in the personal credit report. Some banks will have a few days' tolerance, while others will report overdue records to the central bank's credit information center next month, so you should contact the defaulting bank as soon as possible after discovering overdue, and strive to solve the problem before reporting;
2. If the overdue time exceeds 90 days, pay off the arrears and maintain good credit habits: in addition to paying off the arrears, remember to pay penalty interest. In addition, don't return the card immediately, and continue to maintain good consumption habits. After 5 years, bad records will be automatically eliminated. Except for mortgages, most loans only refer to credit records within two years;
3. Unexpected overdue requires the bank to issue a "non-malicious overdue certificate": banks are also human beings. If you are overdue due to unemployment, illness, going abroad, etc. Take the initiative to contact the bank to explain your actual situation and issue a "non-malicious overdue certificate" so that the loan can be settled;
4. If it is overdue, submit an "objection application": Many people's overdue credit reports are not caused by themselves, but may be caused by "fake loans". Contact the bank to explain the situation, and then submit an objection application to the local China People's Bank Credit Information Center. Generally, such bad overdue records can be eliminated within 15 working days.