Agricultural Bank of China-2 natural days are allowed, and repayment can be made before 2 1 the next day; Tolerance 100 Yuan (Jinka 200 yuan);
Bank of China-Allow 3 natural days (9 natural days for Platinum Card) before the deadline of 20 o'clock; Tolerance: 10 yuan;
CCB- allow 3 natural days before the deadline 17; The tolerance is a bit special. Full repayment tolerance 10 yuan, minimum repayment tolerance 20 yuan.
China Merchants Bank-allow 3 natural days before the deadline of 24 o'clock; Tolerance 10 yuan;
Bank of Communications-Allow 3 natural days, 21before the deadline; Tolerance 10 yuan;
PUFA- Allow 3 natural days before the deadline of 19; Tolerance 10 yuan;
Industrial development-allow 3 natural days, before the deadline 18; Tolerance 10 yuan;
CITIC-Allow 3 natural days, you need to contact the bank actively, before 20 o'clock; Tolerance 10 yuan;
Everbright-Allow 3 natural days, you need to contact the bank actively, before 2 1 point; Tolerance 15 yuan or 2 yuan;
People's livelihood-allow 3 natural days, before 17, tolerance 10 yuan;
Guangfa, Huaxia, Ping 'an, Postal Savings Office, Shanghai, Beijing-Tolerance 10 yuan, except for two natural days in Beijing, all the others are three natural days, and it is required to be before 22 o'clock in Guangfa, and before 0/9 o'clock in Huaxia/kloc, other times are not fixed, especially indicating that Guangfa has three natural days only once a year;
Most of the time is three days, tolerance 10 yuan. Especially remind CITIC and China Everbright that they need to take the initiative to contact the bank, and Guangfa enjoys the time once a year, so be careful to step on the pit;
To be on the safe side, you can confirm the specific data with the bank to understand the time tolerance, and it is still useful to save the emergency occasionally.
II. Statement on Credit Information: In May 2065438+2009, the new personal credit information was officially announced, and the length and fineness of credit information will be further improved. The "validity period" of overdue records is officially set at five years. The restrictions on negative records were not clearly defined before. In the old personal credit report, overdue records will be displayed no matter how many years ago. The new credit report only shows the overdue records of consumers in the last five years.
I believe that most friends who have just overdue are not very familiar with credit reporting. They are dubious about the bad credit records that accompany their life, and there is no way to buy a house and a car with loans in the future, which will affect their children's employment in school, and so on.
Actually, it's not that serious. This is just a collection method to scare the overdue white.
Credit information will only keep overdue records for nearly five years. As long as you pay off your debts, you will be a hero in five years, and you can also borrow money to buy a house and a car. As for what they say, it is even less likely to affect their children. Schooling and employment are a person's basic human rights. Parents have bad credit records, and children are innocent. This statement has no legal basis at all.
Unless there is a possibility, that is, after being sued, the bank will not execute it according to the court's judgment, and then the bank will apply to the court for compulsory execution and be included in the list of untrustworthy people, which is also commonly known as "Lao Lai". I won't explain the specific situation here. Friends who want to know can go (Chapter VIII: Will it affect children after the deadline? ) reference.
Credit investigation is also very important. For a person with a thriving career, credit investigation is really important. I don't need to say that everyone knows this, but credit reporting is meaningless to a person who is heavily in debt and can't even afford to eat. It will even become a shackle that prevents us from going ashore.
3. How is the liquidated damages for interest generated after overdue calculated? 1, liquidated damages
If the cardholder fails to pay off the minimum repayment amount of the previous bill before the due repayment date (inclusive), our bank will charge a corresponding penalty of 5% of the outstanding minimum repayment amount every month according to the credit card regulations of China Merchants Bank, and the minimum charge is RMB 65,438+00 or USD 65,438+0 yuan. For example, your credit card has a limit of 50,000 yuan, and the minimum repayment is 30,000 yuan. You only pay back 3,000 yuan, leaving 27,000 * 5% =1.350 per month.
Step 2: Interest
Each consumption amount of the last bill is the interest-bearing principal, and the interest-bearing days are from the account bookkeeping date to the account repayment date, and the daily interest rate is five ten thousandths.
The cardholder's billing date is the 7th day of each month, and the credit card consumption is 20,000 yuan in April 1 day. This consumption was recorded on April 2, and the bill on April 7 will show that the "payable amount in this period" is 20,000 yuan and the "minimum repayment amount" is 2,000 yuan. If the cardholder only repays 2000 yuan on April 25th, the interest payable by that date will be shown on the bill on May 7th.
That is, the 23-day interest of the revolving credit principal of 20,000 yuan and the remaining18,000 yuan after repayment are 13 days: 20,000 yuan ×0.05%×23 days (April 2-April 24)+18,000 yuan × 0.05% × 60.