As long as the credit card is overdue, the bank will upload the overdue record to the database of the Credit Information Center of the People's Bank of China. However, as long as it is paid off in time, the overdue time is not long and the amount owed is not too large, which will generally not affect the handling of credit cards, loans and other businesses.
In 20 13, China Banking Association published the revised "China Bank Card Industry Self-discipline Convention", requiring banks to provide timely services to cardholders. Generally, bank cards will have a three-day grace period. If the repayment is overdue, it will become malicious overdue if it is overdue for more than 90 days, which will have a greater impact and may be rejected from bank credit business in the future.