Credit card has many functions, which facilitates everyone's capital access and economic turnover in daily life, but we must remember to repay on time! If the credit card is accidentally overdue, it may affect the loan and personal credit investigation!
1、 Can I borrow money after the credit card is overdue
Whether the credit card is overdue or not depends on the consequences of overdue and whether it affects the credit investigation of the central bank. Major banks will truthfully report the card use of cardholders, usually once a month. Therefore, if your credit card is overdue for more than one month and has not been paid off, it is likely to discredit the credit investigation and can no longer lend.
2、 How long will the credit card be overdue
1. Personal credit will be affected. The credit card has a three-day grace period. The repayment will not be reported to the credit bureau within three days after the repayment date, and personal credit will not be affected. If it exceeds three days, the non-performing loan record will be displayed on the credit bureau. In personal credit investigation, if the one-time overdue time exceeds three months and the overdue times exceed six times, it will be very serious and will enter the blacklist of credit investigation.
2. There are penalty interest and liquidated damages. If the credit card is overdue for one day, the penalty interest will be charged for one day. If 10000 yuan is not returned and overdue for three days, the penalty interest will be 5 yuan for one day and 15 yuan for three days. In addition, liquidated damages need to be paid. The longer the overdue time is, the worse it will be for the cardholder.
3. If the credit card is collected by the bank, the bank staff will contact the repayment on the day when the credit card is overdue. The staff will call the cardholder every day to urge the cardholder to repay as soon as possible.
4. Being sued by the bank, such users are usually those who are overdue for a long time and have the ability to repay but do not repay. The bank will eventually choose legal channels to sue users, which is also the most serious consequence.