1. CITIC Bank provides cardholders with a certain period of repayment grace period. Oh, the grace period is 3 days, from the date of the last repayment to 20: 00 on the third night. For example, the customer's final repayment on the 2nd can be postponed until 20: 00 pm on the 5th, and the repayment should be made to the credit card in real time, except for special cards.
2. If the cardholder can't repay immediately, the repayment within 3 days after the repayment date is not overdue, and there will be no penalty interest and late payment fee, which will not affect personal credit information. If it is overdue, you should repay it as soon as possible and contact CITIC Bank to repay it in time. Too many overdue times will have a greater impact on personal credit information.
The repayment date of many bank credit cards is at the beginning of the month. For example, some credit cards of CITIC Bank are set on the 7th of each month. During the National Day, the inter-bank transfer business through the People's Bank of China system was suspended, and customers who had previously paid credit card arrears through online banking will be affected.
4. Moreover, after the implementation of "China Bank Card Industry Self-discipline Convention", banks provide cardholders with "tolerance time service", with a certain limit and repayment grace period. The so-called "tolerance service" means that after the due repayment date, when the unpaid part of the cardholder's account is less than or equal to 10 yuan, this month can be regarded as the cardholder's full repayment until the next period.
5. Take credit cards as an example. It takes three days for Bank of Communications, China Merchants Bank, Shanghai Pudong Development Bank and China CITIC Bank, two days for Agricultural Bank and 1 day for Guangfa Bank. For the overdue behavior caused by special reasons, the bank has formulated the corresponding "tolerance time difference" repayment regulations. If the credit card is short of a few dollars, or the repayment is accidentally delayed for a day or two, the bank will have a certain "tolerance" and will not report untrustworthy data immediately. Automatic binding repayment may also be due to the binding settings of various baby products, resulting in insufficient balance and unsuccessful repayment. Therefore, it is recommended that credit card customers leave enough repayment time before the final repayment date, and don't wait until the grace period.