If the credit card holder has overdue repayment or fails to repay the loan according to the agreement, the bank will submit the relevant information to the Credit Information Management Center of the People's Bank of China, and the resulting personal credit record of the citizen is called a bad record. Common credit card bad records, see if you have any tricks: 1. The card is idle, the number of consumption is not enough, and the annual fee has not been reduced, resulting in overdue. 3. If the credit card is overdue, it is not returned, and it is not intended to be repaid. 4. If the credit card is overdue, it will also be “running†by changing the address and mobile phone. How to break? It is said that human body cells will be completely updated within 7 years, how long will your bad records be updated? Folk saying: A credit stain has been generated, and the card must not be sold. After the debt is paid off, it can be used for 24 months to cover the previous negative record, because only the records of the last 24 months can be seen in the credit report. The premise of 24 months is that there is no overdue record. If there is an overdue record, it will be said! Official statement: The Regulations for the Administration of Credit Information Sets the time limit for the retention of bad information to 5 years, and the bad records will be deleted after 5 years of overdue payment. If there is a bad record, it will always show up on your credit history for five years! ! ! How can we eliminate bad records? ► Request to cancel credit card bad credit history: If your credit smear is caused by a bank, the cardholder can ask the bank to revoke it. For example, due to the arrears generated by the annual fee of the credit card, the cardholder has not received the SMS, telephone or mail bill reminder of the bank for 7 years. The cardholder can call the bank customer service or directly to the bank. Staff communication, indicating the reason for the overdue, and providing strong evidence of mobile phone call records or text messages, etc., prove that they have not received a bank reminder. The bank is required to revoke the bad credit record. ► Accumulate good credit history: If the bad record is to be completely eliminated, the current central bank stipulates that the personal credit history is valid for 5 years, so it is important to accumulate a good credit history. In reality, many people think that if the credit card overdue payment has a bad record, the money will be repaid and the card will be cancelled, so that the bad record will be cancelled. In the future, we should try our best to avoid sloppy work. We must pay attention to the bank's billing notice and collection information, avoid overdue, and if it is overdue, we must repay the loan in full and timely, and communicate with the bank in time, and maintain a good credit card record in the next two years. How to avoid bad records? ► Can handle automatic repayment to prevent overdue: ► The minimum repayment amount can be used: ► Make the most of the bank's tolerance service: Mianyang Crossing Cross-Border E-Commerce Co., Ltd. , https://www.wycypets.com
Today, talk about how to eliminate bad credit card records.
2. The repayment is completed after the credit card bill is reissued, and the repayment is not timely.
And these bad records will definitely become a roadblock for your future capital turnover.
In order to avoid overdue credit card, it is recommended that the cardholder open the automatic repayment function after receiving the credit card. A bank debit card (such as a salary card) is associated with a credit card, and the bank automatically debits the card before the monthly repayment date to repay the cardholder's credit card. This can effectively prevent cardholders from overdue.
There are two ways to repay a bank credit card: the best repayment and the minimum repayment. The former is the full repayment of the amount owed in the current period, and the latter is if you repay the bank owed in the current period in full before the due date. If there is any difficulty, it can be repaid in accordance with the minimum repayment amount stipulated by the card issuer. If the repayment is stipulated according to the minimum repayment amount, the card issuer shall only charge the loan interest from the bank's accounting date to the repayment date on the unpaid portion of the daily, and the loan interest shall be compounded on a monthly basis. It will not affect your credit history.
Many banks have time-to-day tolerance services, which can be up to 3 days late, or they can be repaid on time. Many banks have this service. The details are slightly different, so you can call.