It s expected to be paid off in 2 years, and it s been 2 years, can the card be used?

Whether Ping An Credit Card can be resumed after being paid off after the overdue suspension needs to be comprehensively assessed based on your overdue situation, and it is recommended that you try to use the card again after the repayment is credited to see if the consumption can be successful.

Ping An car owner loan] can get a loan if you have a car, up to 500,000.

In the case of paying off the arrears, the bad credit history will not be displayed. If the arrears are not paid off, there will always be a bad record. After paying off, you can reapply for a credit card after an interval of 2 years.

Bad credit history cannot be artificially erased, and the information is automatically deleted from the credit report after a certain period of time (usually 5 years).

According to the relevant regulations of the state, the credit record will be recorded for a long time. And a bad credit history will follow you for at least 5 years. The current PBOC credit report will generally show your credit status within 5 years.

Commercial banks and companies that handle loans focus on your credit status in the past two years.

How to Eliminate Bad Credit Card Records.

Eliminate common bad bank credit card records.

Eliminate records in the credit reporting system's basic personal credit information database.

If the circumstances are serious or the delay is too long, the bank may have reported to the personal credit reporting system.

According to the People's Bank of China's explanation on the credit reporting system, if the bank fails to review and approve the loan due to bad records, the applicant may request the bank to inform the reason. If the bank does not inform the bank, it should consult the credit reporting authority of the People's Bank of China and request that the individual's credit report be investigated and the erroneous data corrected, so as to avoid causing inconvenience to the bank's lending business in the future.

If it is a bad record caused by a bank error, you can negotiate with the bank, and the bank can send a modification order to the central bank's credit information system, and the system will eliminate the record.

If the bank can provide relevant proof that the bad credit record caused to the customer is caused by the bank's operation error, the bank can also apply to the local People's Bank of China to eliminate the bad record with the relevant certificate.

The bank card will not expire and will definitely be used.

The credit card is valid for two years, and if the debit card does not contain a penny and no business has occurred within two years, the card will be automatically cancelled.

Did you have a balance on your card during the time period when you weren't using it? The Dragon Debit Card does not have an expiration date, but if your card has not been used for a long time and the account balance is small, the banking system will regularly clean the account according to the relevant regulations of the branch where the account was opened (if you want to check the relevant regulations of the place where you opened your account, please provide the name of the branch where your account was opened). If you want to use your card now, you can bring your valid ID card and Dragon Card to the branch where the account is opened to check whether the account status is normal, and if the account is in arrears, etc., you can make up the payment through the counter and transfer it to the normal state.

Once you're done, you can continue using this card.

The credit card is valid for two years and is almost no longer available.

Debit cards have no expiration date and can be used.

Debit cards are OK, debit cards are not.

There are two types of bank cards:

The validity period of the savings card (debit card) is three years, so if your card is not used for more than three years, it will definitely expire, but you can observe the validity period on the back of the card, if it does not expire, you can go to the bank to apply for a new card two months before the expiration, free of charge, and if the balance in your card is less than one yuan for more than one year, then the card will be automatically cancelled.

If the debit card is more than 20, the annual fee will be deducted 10 yuan a year, and 20 yuan will be deducted for 2 years, and it can be used normally, but if it is 0, it will not be used It has become a sleeping card, and it will be useless for more than 18 months, you can check it at the ATM But you can't deposit money at the bank counter The card is useless.

You need to check whether the CCB card has been converted into a dormant card or has been automatically closed before performing other operations. A dormant card refers to a bank card that has been idle for a long time and is dormant. If the bank card has not had business for more than two years, it will automatically go to sleep, and then it will not be able to make transfers, and the money cannot be remitted or remitted.

1. If the account balance is zero for a long time (about three years), the system will automatically cancel the account by default, if you want to go to the counter to go through the account cancellation procedures, you will also have to pay the annual fee and small account management fee;

2. If the average daily balance of the deposit account is less than 300 yuan, a small account management fee of 3 yuan will be charged every quarter, which will be charged quarterly. For example, if your daily average is less than 300 yuan this quarter, you will receive it this quarter, and if you reach more than 300 yuan a day in the next quarter, you will not receive it in the next quarter;

3. There will be no late fees for arrears, and it will not affect your personal credit and other accounts.

2. Restore the hibernation card

1. If it is confirmed that it is a sleeping state, as long as the head of the household carries his ID card and bank card, he or she goes to the counter of the bank branch where the account is opened to handle the normal business of sleeping account;

2. After paying the annual fee and small management fee owed, the card can be converted to normal after depositing or removing the money.

3. Note: 1. Generally speaking, if you do not use it within three years, you can use it as long as you activate it, but if it is more than three years, it depends on the policy of the specific bank in the specific region, and the policies of the Agricultural Bank of China in each region are different, and it is possible to automatically close the account;

2. A dormant card may leave a negative record on your credit report because you may have forgotten to pay its annual fee or other fees;

3. The bank card will be automatically cancelled if it is not used for three years, but it is best to go to the bank in advance to go through the cancellation procedures.

First of all, see if there is any balance on the card, if it is "0", it is recommended to apply for a new card. Generally, there are two types of CCB card charges: one is the annual fee of the card, which is 10 yuan per year, which will be deducted as long as the card is issued; The second is the small account management fee, if the average daily balance is less than 300 yuan, 1 yuan per month, deducted once in the first quarter, and 12 yuan for the whole year.

Therefore, if your card account balance is zero, calculated at a fee of 22 yuan per year, and no transactions have been made during the two years, the bank will think that you no longer use the card, and may convert it to a dormant account or directly cancel the account, so that the money cannot be transferred to the account. It is recommended to check at the bank counter, if you can't use it, you should open a new card, open a new card for only 10 to 20 yuan, and report the new account to the school.

Is it a debit or credit card? If the debit card is more than 20, the annual fee will be deducted 10 yuan a year, and 20 yuan will be deducted for 2 years, and it can be used normally, but if it is 0, it will not be used It has become a sleeping card, and it will be useless for more than 18 months, you can check it at the ATM But you can't deposit money at the bank counter The card is useless.

If there is no money in the card, it will be automatically frozen for two years, and if the money is put in, the annual fee will be deducted, and there will be other things such as small account management fees or something!

In the case of paying off the arrears, the bad credit history will not be displayed. If the arrears are not paid off, there will always be a bad record.

After paying off, you can reapply for a credit card after an interval of 2 years.

I'm in the same situation as you. Did you do it?

It can be used as long as it is within the validity period.

Do I need to repay the credit union Huimin card first when I renew it?

The ABC card is still valid after two years of use, but it can only be reused after being activated by the bank.

Agricultural Bank of China's account closure standards:

1.If the customer's account balance is zero and has not been used for a year and a half, the bank will automatically convert the card to a "dormant account" and can no longer be used.

2.If it has not been used for 5 years, the bank will automatically close the account.

You'd better get an ATM and see if it works. If you graduate for two years it doesn't work. There is no money in it, and the annual fee will be deducted. If the growth rate is negative for a long time, the bank card may be automatically cancelled.

If you still want to use it, the annual fee will definitely have to be paid. If your card is one of the four major state-owned banks, if you do not have an average daily deposit of 300 yuan in a quarter, you will deduct 3 yuan in a quarter.

Of course it works, but the annual fee must be charged, and if you don't save money for a long time, there must be a small account fee of one dollar a month, as long as you save money, it will be deducted after a while.

Yes, as long as the last card is cleared, there is no big problem with credit reporting.

You can apply for a credit card.

It's been two years since it's overdue, and if you owe the credit card annual fee, if you do, you should have multiple overdue records.

In this case, you shouldn't be able to change it.