1. Overdue for sixty days will be counted as personal credit report
2. Overdue for ninety days will be counted as bad personal credit report
3. Overdue for two times and The above will be included in the personal credit report.
Chapter 3, Article 16 of the "Regulations on the Administration of the Credit Reporting Industry": ① The credit reporting agency's retention period for personal bad information is 5 years from the date of termination of the bad behavior or incident; if the period exceeds 5 years years, should be deleted. ② During the retention period of adverse information, the information subject may explain the adverse information, and the credit reporting agency shall record it. If the repayment is not made, the bad record can be traced back once and then for another five years or permanently.
Extended information:
Overdue repayment refers to the situation of exceeding the final repayment period stipulated by the bank and failing to deposit the consumed funds into the designated account in full and in time. Overdue payment will accrue interest and affect your credit report. In serious cases, you may be sued by the court or imprisoned.
Credit cards have two concepts: billing date and repayment date (also known as the final repayment date). The billing date is the day when transactions within a billing cycle are settled, and the repayment date is a repayment period. Because it is impossible to restore the situation of your contact with customer service, it does not rule out that you misunderstood the customer service staff's explanation or the customer service staff's explanation was unclear or even incorrect. ?
The main function of the repayment date is for banks to determine whether the cardholder has a malicious overdraft tendency and to determine the cardholder's financial status. Therefore, repayment after the final repayment date will inevitably result in an overdue record. Whether this record can be changed from the central bank requires further negotiation with the card issuing bank.
Reference material: Overdue repayment-Baidu Encyclopedia