Details are as follows:
1. Default record: Three days overdue means that the cardholder fails to repay on time within the repayment period, resulting in a default record. The bank will submit this record to the credit reporting agency as an important reference for the credit status of the cardholder.
2. Credit report: After overdue records, it will be reflected in the cardholder's credit report. Credit report is an important basis for banks and institutions to evaluate personal credit, and overdue records will reduce the credit score of cardholders.
3. Impact on credit evaluation: Credit score is one of the indicators to evaluate the credit status of cardholders. Overdue records will be included in the credit evaluation model, which may affect the audit results of credit-related matters such as loan application and credit card limit adjustment.
To sum up, three days overdue will have a certain impact on the credit information of Ping An Credit Card. Although the specific degree of influence varies with the personal credit evaluation model, if there are overdue records, the credit evaluation results of cardholders may be affected.
Extended data:
There are many credit reporting agencies in China, including Credit Reporting Center of People's Bank of China, Shanghai Credit Reporting Co., Ltd. and China Chengxin International Credit Rating Co., Ltd. These credit reporting agencies will record personal credit information, including loan records and overdue records. When dealing with overdue cases, banks will report the default records to the corresponding credit reporting institutions, which will have an impact on personal credit reporting.
If we want to avoid the negative impact of overdue on credit reporting, cardholders should ensure timely repayment. You can improve the punctuality of repayment by setting automatic repayment and early reminder. At the same time, the cardholder can also negotiate with the bank to seek a certain grace period or other repayment arrangements to avoid overdue.
It should be noted that the above explanation is based on the credit reporting mechanism under normal circumstances, and the specific impact is still affected by factors such as personal credit evaluation mode and specific operating rules of credit reporting institutions. Therefore, in the specific operation process, more relevant regulations and mechanisms may be needed to get accurate results.
The above is an explanation about the influence of Ping An Credit Card overdue for three days on credit investigation. Overdue repayment will produce a record of breach of contract, which will be submitted to the credit reporting agency, thus affecting the evaluation results of personal credit reporting. Therefore, cardholders should develop good repayment habits to maintain a good credit status.