1, "Tolerance" is overdue.
If the cardholder fails to repay in full in the current period, and the unpaid part in the account is less than or equal to a certain amount after the due repayment date, it is deemed that the cardholder has repaid in full, and the unpaid amount will be automatically transferred to the next bill, and this situation will not be recorded in the bad credit report.
The tolerance amount is generally within 10 yuan, but different banks have different tolerance policies, such as China Merchants Bank, Communications, Huaxia, Shanghai Pudong Development Bank and Xingye.
2. "Time Tolerance" has expired.
If the cardholder fails to repay in time on the due date of repayment, there will be a grace period, during which repayment will not be penalized and will not be uploaded to the credit information system. But if you don't pay back the money after the grace period, it is likely to be uploaded to the personal credit information system. The grace period of each bank is different. Most banks have three days (this is a natural day, not a working day).
3. How long will it take to become a black household? "Even three tired six"
In the eyes of banks, whether it is "three companies" or "six companies", it is a serious problem. People in both cases will be classified as "problem customers", that is, they will enter the "blacklist", which will have a serious impact on the future lending business.
For example, if a borrower applies for a loan from a bank, the bank will check his personal credit report to understand the credit situation. If the borrower has a record of "three times in a row, six times in a row", the bank will be particularly cautious when approving the loan, and will ask the borrower to provide the previous repayment list to understand the details of overdue repayment, such as overdue amount. , and take measures such as raising the loan interest rate, reducing the loan amount and shortening the loan period as appropriate. The loan is likely to be rejected.
In contrast, three months overdue repayment is more serious than six overdue repayments. This is because the repayment is overdue for three consecutive months, and it is impossible to get rid of the suspicion of "malicious" arrears. The accumulated six overdue repayments may be caused by "negligence". But this depends on the specific evaluation of banks and financial institutions.
Extended data:
1, personal credit information
According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them. We won't make any bad comments on your usage records, but only truthfully feed back your historical usage records without any subjective judgment. If you handle the loan business in the future, the loan bank will comprehensively refer to your credit history, not only for a certain period of time, but also if you can keep a good record of consumption and repayment, your credit will continue to increase.
2. What if personal credit is overdue?
How to deal with the overdue personal credit report: Don't cancel your credit card if you have a bad credit card record. If the credit card is terminated, the corresponding records will not be scrolled, but will be kept for a long time. Therefore, after the overdue repayment of the credit card, don't cancel the credit card immediately after paying off the arrears, but insist on using the card for more than two years, and maintain a good credit during this period, so that the bad records can be cleared from the credit information system through rolling records.
3. Can I get a loan if my personal credit is overdue?
Having an overdue credit record does not necessarily mean that you can't apply for a loan, but also depends on the degree of overdue. Under normal circumstances, the limit required by the overdue loan bank is that it cannot exceed twice in the past three months, three times in the past six months and four times in a year.
If it is overdue for six or three times in a row within two years, it will be regarded as a bad credit record by the bank, and it is usually difficult to gain the trust of the bank, and it will be rejected in nine cases out of ten when refinancing. In addition, if you have been in loans overdue for more than 90 days, and you are blacklisted by the bank, it is estimated that it will be difficult to get another loan.