信用卡逾期上报数据库有什么影响-银行贷款法律援助-法律咨询免费平台-国际律师联盟

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问题	信用卡逾期上报数据库有什么影响
释义	无论是信用卡逾期还是贷款逾期，一旦上报央行征信系统并留下不良信用记录，都无法在短时间内消除。因为在客户付清欠款后，此类不良记录可能不会被系统删除，直到它们被保存至少五年。如果客户没有一直还款，逾期记录可能会保留在信用调查报告中。当你申请新的信用卡，或申请住房贷款、汽车贷款等贷款时，如果银行发现你在信用调查中有不良记录，它会在一定程度上降低通过率。然而，银行之间有不同的门槛。如果持卡人只逾期两三次，宽松的银行还是可以这样通过的。
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