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光大信用卡过了宽限期透支逾期一天有影响吗
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光大信用卡过了宽限期透支逾期一天有影响吗
光大信用卡过了宽限期,逾期一天才还款,这时候逾期记录已经上传到了征信中,对于个人征信会产生负面的影响。即使用户已经将逾期的欠款还清,但是逾期记录要保留5年才删除,这5年内用户申请信贷业务都将受到阻碍。
但是等用户的征信恢复正常了,那么就可以正常申请信贷业务,因此越早还清逾期的欠款,越有利于征信的恢复。
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更新时间:2026/1/30 1:48:12