Minsheng Credit Card can be delayed for several days

The repayment of Minsheng Bank Credit Card can be delayed for three days. If it is necessary to extend the repayment time, you need to apply to the bank. If you pay off within three days, it will be regarded as timely repayment, and no fees will be incurred; If you only pay the minimum repayment amount, you need to pay .5% interest every day; If the repayment exceeds 3 days, it will be regarded as overdue. In addition to paying interest, a late fee of 5% of the unpaid part of the minimum repayment amount will be paid monthly.

China Minsheng Bank is the first national commercial bank established by private capital in Chinese mainland, which was established on January 12, 1996. A shares of Minsheng Bank were publicly listed on the Shanghai Stock Exchange on December 19th, 2, and H shares of Minsheng Bank were listed on the Hong Kong Stock Exchange on November 26th, 29. In 218, it ranked 251 ST in the Fortune Global 5 list. On June 26, 219, eight banks, including China Minsheng Bank, launched the enterprise information networking verification system for the first time. In July 219, the Fortune Global 5 in 219 was released: ranking 232. On December 18th, 219, it was ranked 7th in the People's Daily "China Brand Development Index" 1 list. In March 22, it was selected as the 185th among the top 5 global brand values in 22. On the basis that the number of loans and customers has begun to take shape, the SME Finance Department of Minsheng Bank has entered a brand-new stage of development. Under the guidance of the three-year plan, it has formulated a clear development strategy, taken the lead in formulating a sound sales strategy and plan through "specialization, batch and specialization", and truly realized the "highlighting regional characteristics and implementing list sales" proposed by the chairman, making sales easier and financing for SMEs easier.

the company is a joint-stock commercial bank established by the All-China Federation of Industry and Commerce, with Guangzhou Yitong Group Company, China Township Enterprise Investment and Development Co., Ltd., China Coal Industry Import and Export Corporation, China Shipowners Mutual Insurance Association and Shandong Oceanwide Group Company as sponsors. The Bank was incorporated on February 7, 1996 with a registered capital of 1,38.248 million yuan. After 35,, RMB ordinary shares were publicly issued to the public on November 27th, 2, the company's total share capital has reached 1,73,248, shares. On September 2, 218, China Minsheng Bank issued a statement on the national Internet finance registration and disclosure service platform under the China Mutual Fund Association, indicating that it had passed the evaluation of the individual peer-to-peer lending fund depository system (the "white list" of depository banks of P2P online lending institutions).

How many days is the grace period for credit card repayment of Minsheng Bank

The grace period for credit card repayment of Minsheng Bank is 3 days. It is worth noting that the third day of the grace period for repayment is before 17: on the same day. That is to say, if the last repayment date of Minsheng Bank's credit card is the 6th of the current month, as long as the user completes the repayment before 17: on the 9th, it will be regarded as timely repayment; if it is repaid after 17: , it will be overdue repayment.

The credit card holders of Minsheng Bank will repay within the three-day repayment grace period, and Minsheng Bank will regard the cardholders as timely repayment. When the cardholder repays in full in the current period, and after the due repayment date, the unpaid part of the account does not exceed 1 yuan, Minsheng Bank will also regard the cardholder as a full repayment, and the unpaid amount of this part will be automatically transferred to the next bill.

According to China Bank Card Industry Self-discipline Convention:

Article 14 Member units should strive to improve the quality of credit card services, provide humanized card service for cardholders, and advocate credit card issuers to establish "tolerance service and time-tolerance service" for credit card repayment or give interest relief to the repaid part of credit card overdraft during the interest-free repayment period:

(1) Member units should provide "time-tolerance service" for cardholders.

(2) Member units provide "tolerance service" for cardholders. If the cardholder fails to repay in full in the current period, and the unpaid part in the account is less than or equal to a certain amount (at least equivalent to RMB 1 yuan) after the due repayment date, it shall be regarded as full repayment by the cardholder.

According to the notice on printing and distributing the Measures for the Administration of Credit Card Business:

Article 18 The maximum overdraft period of a credit card is 6 days.

article 19 credit card overdraft interest shall be calculated at the rate of five ten thousandths of daily interest within 15 days from the date of signing or the date of bank account entry, and at the rate of ten thousandths of daily interest after 15 days, and at the rate of fifteen thousandths of daily interest after 3 days or when the overdraft amount exceeds the prescribed limit. The overdraft interest is not divided into sections, and the interest is calculated according to the highest interest rate grade of the deadline or the highest overdraft amount.

Article 2 The overdraft business of each card-issuing bank shall be managed in accordance with its credit scale. Overdraft is transferred to short-term loan accounting.

article 21 malicious overdraft refers to the overdraft behavior of the cardholder for the purpose of illegal possession, which exceeds the prescribed limit or time limit and is invalid after being collected by the issuing bank.

Article 22 Special units shall not refuse to accept valid credit cards legally held by cardholders and issued by contracted banks for any reason, and shall not charge additional fees to cardholders for using credit cards.

Can the repayment be postponed during the credit card epidemic of Minsheng Bank?

The repayment can be postponed during the credit card epidemic of Minsheng Bank. According to relevant inquiry, on May 11th, 222, Xu Qiang, member of the Party Committee and vice president of China Minsheng Bank Credit Card Center, told the reporter of China Times that credit card customers of Shanghai Minsheng Bank can apply for deferred repayment.

What are the advantages of credit card deferred repayment of Minsheng Bank?

Credit card deferred repayment of Minsheng Bank is not beneficial.

Minsheng Credit Card can delay repayment for three days, that is, the repayment time is three days. Time-tolerant service ",that is, to provide cardholders with a certain period of repayment grace period service, and the repayment grace period is at least 3 days from the due repayment date; When the cardholder repays within the repayment grace period, it shall be deemed that the cardholder repays on time;

China Minsheng Bank was formally established in Beijing on January 12, 1996. It is the first national joint-stock commercial bank mainly initiated by private enterprises in China. As a branch-level franchise institution of Minsheng Bank, China Minsheng Bank Credit Card Center was approved by China Banking Regulatory Commission on August 11th, 26. After fourteen years of accumulation, it has become one of the leading brands in the credit card industry in China. Minsheng Credit Card Center has set up 112 sub-centers nationwide, with nearly 1, employees nationwide.

Let's stop here for the introduction of deferred repayment of Minsheng Credit Card.