Several situations affecting personal credit records
Overdue repayments, repayments that miss the last repayment date and the repayment period will be credited to overdue repayment.
Under normal circumstances, the time limit for repayment of each line defaults to 3 days, and some banks may be longer. For example, the maximum period of time for the bank of Guangfa Bank is 5 days. After the last repayment date plus 3 days of repayment within the time limit, will not be overdue. Missing this time period will be recorded as overdue.
However, the process of crediting overdue is like this. First, each card-issuing bank will record the overdue situation, and then report the overdue status of the cardholder to the central bank's credit information center, and the credit information center will record it in the personal credit report. When will the specific issuing banks report your overdue status to the central bank's credit information center, depending on the regulations of each issuing bank.
If you find that you are overdue for non-subjective reasons, you can try to call the issuing bank first to see if the overdue record can be eliminated before the issuing bank has reported it to the central bank's credit bureau.
Individuals have abnormal card behavior, such as cashing out (often on the POS machine), it will be controlled by the issuing bank. The issuing bank will lower your credit card limit or freeze your credit card. Basically, it has no chance to raise the amount and re-apply. However, such behavior will not be reported to the central bank's credit information center and will not leave a record on the personal credit report.
The card will not affect the personal credit record
Card friends do not have to worry about the sales card will affect the personal credit record. To add a little more, the concept of selling cards and selling customers is different. There are multiple credit cards under the personal name of the sales card, and one of the cards is sold as a sales card. If you sell all your credit cards, you will be called the account.
Within three months after the card is sold, if you still want to continue using your credit card, you can call the bank to reactivate it. It is mainly determined by the bank's past use of the card and the evaluation of the repayment record.
Finally, I sent several cases that are easily controlled by the bank:
1. A single credit card amount is more than 90% of the credit card amount or a direct credit card
2, the card time is non-business hours, such as large-scale consumption in the middle of the night;
3. Suddenly generated overseas credit card transactions, such as the same day, earlier in the domestic merchants to swipe the card, suddenly came a large overseas consumption, and then swiped in domestic merchants, easy to be controlled by the wind;
4, in the same POS machine to avoid transactions, such as trading more than 3 in 60 minutes, and the transaction amount is mostly an integer;
5. Withdrawal of a single transaction, one card is operated on the same POS machine within one day;
6. Swipe the card at the POS terminal listed as a risk merchant by UnionPay and the issuing bank, and so on.
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