What is the grace period of CCB's credit card

The grace period of most banks is 2-3 days, among which the grace period of CCB is relatively long, with a grace period of 5 days, and the platinum card users of China Bank have a grace period of 9 days. It is worth noting that the cardholder of ICBC, if it is a credit card of ICBC, then the user must repay the arrears in strict accordance with the regulations. As long as the repayment date of ICBC is exceeded, or the repayment amount is lower than the minimum repayment amount, then the bank will regard the cardholder as overdue.

friends who use credit cards know that after using credit cards, they need to repay their debts within the specified repayment date, otherwise they may be overdue. However, most banks can postpone repayment for several days after repayment, and it depends on the tolerance period stipulated by each bank. The tolerance period of different banks is different.

The so-called time-sensitive service actually refers to the grace period for repayment. If the bank provides a grace period for repayment, as long as the cardholder can pay off the arrears within the stipulated grace period, the bank will consider the cardholder to repay on time, which will not affect personal credit and will not cause overdue fees.

With regard to time-tolerance service, the regulations of different banks are slightly different. This difference is not only reflected in the time, but also in the application for time-tolerance service. For example, China Bank, Agricultural Bank, Bank of Communications and other time-tolerance services are automatically postponed. If the cardholder fails to repay on the specified repayment date, the cardholder can automatically enjoy the grace period, while China Construction Bank and China CITIC Bank can only enjoy the grace period service after the cardholder voluntarily reports to the bank customer service hotline before the repayment date.

Therefore, if the cardholder encounters the need to postpone repayment, it is suggested to call the bank customer service hotline to inquire about the grace period, so as to avoid missing the grace period and overdue.

We suggest that you don't spend blindly in the process of using credit cards, so as to avoid the inability to repay. Once the inability to repay is overdue, cardholders will face a series of adverse consequences such as collection, penalty interest and credit reporting.

Summary of time tolerance rules of credit cards in various banks (amount, term)

Credit cards are becoming more and more popular and convenient to use. The most important thing is that reasonable use of the interest-free period of credit cards can alleviate economic pressure and enjoy preferential activities and rights. However, if the credit card repayment is not timely, the personal credit card will also be affected, and the reasonable use of time tolerance can save it. Here, we will introduce the tolerance rules of credit cards in various banks, including tolerance amount and tolerance period.

1. ICBC: The tolerance amount is only a penalty interest for the unpaid part, and there is no tolerance period.

2. BOC: the tolerance amount is 1% of the bill amount, and the tolerance period is 3 natural days for ordinary cards and 9 natural days for platinum cards.

3. CCB: There is no tolerance amount, and the tolerance period is 3 natural days, so you need to call to apply.

4. Agricultural Bank of China: the tolerance amount is Puka 1 yuan, the gold card and platinum card are 2 yuan, and the tolerance period is 2 natural days.

5. Bank of Communications: The tolerance amount is 1 yuan RMB or equivalent foreign currency, and the tolerance period is 3 natural days.

6. China Merchants Bank: The tolerance amount is 1 yuan RMB or equivalent foreign currency, and the tolerance period is 3 natural days.

7. Guangfa: The tolerance amount is 1 yuan RMB or equivalent foreign currency, and the tolerance period is 3 natural days.

8. Societe Generale: The tolerance amount is 1 yuan RMB or equivalent foreign currency, and the tolerance period is 3 natural days.

9. CITIC: The tolerance amount is 1 yuan RMB or equivalent foreign currency, and the tolerance period is 3 natural days. You need to call customer service actively to apply.

1. People's livelihood: the tolerance amount is 1 yuan RMB or equivalent foreign currency, and the tolerance period is 3 natural days.

11. Everbright: The maximum tolerance amount is RMB 1 or USD 2, and the tolerance period is 3 natural days. You need to call to apply.

12. Pufa: The tolerance amount is 1 yuan RMB or USD 2, and the tolerance period is before 22: three natural days after the repayment date.

13. Ping An: The tolerance amount is 1 yuan RMB or equivalent foreign currency, and the tolerance period is 3 natural days.

14. Huaxia: The tolerance amount is 1 yuan RMB or equivalent foreign currency, and the tolerance period is 3 natural days.

Here, I introduce the time tolerance rules of banks, and hope you can make good use of them. Although there will be no credit stain within the time tolerance range, it will also have a certain impact if there are too many times. It is best to repay on time.

How many days is the repayment period of credit card? "Time-sensitive" service should be cherished.

Using credit card to overdraw consumption is favored by more and more people, but we should also face up to the repayment problem after using the card, because once the credit card is overdue, it will affect personal credit. However, all major banks provide interest-free credit card repayment period and "time-allowing" service. So, how many days is the repayment period of credit cards in each bank?

I. Interest-free repayment period of credit cards

It is understood that ICBC, Agricultural Bank and Bank of Communications provide cardholders with interest-free repayment period of up to 56 days; China Construction Bank, Bank of China, China Merchants Bank, Ping An Bank, China CITIC Bank, China Everbright Bank, Industrial Bank, Shanghai Pudong Development Bank, etc. offer the longest interest-free period of 5 days.

The actual interest-free period enjoyed by the cardholder is determined according to the consumption time. For example, the repayment date of CCB is 2 days after the bill date. In order to enjoy the longest credit card repayment period, the cardholder can choose the first day after the bill is issued, and if it is consumed before the bill is issued, he can enjoy the shortest repayment period of 2 days.

second, the "time-tolerant" service of credit card repayment

in short, the repayment period of credit card is many days, which is influenced by many factors. The cardholder needs to keep in mind the repayment date of the card and find out the specific provisions of the grace period of repayment of the issuing bank. If you miss the grace period of repayment, you will have to collect overdue interest, which will also affect your personal credit.

Credit card repayment can be delayed for a few days to help you

spend in advance with credit card, and you can enjoy an interest-free period, which can help you manage your finances to the greatest extent. Then, do you know that credit card repayment can be postponed for a few days? I sorted out this article on this issue and explained it in detail.

In p>213, China Banking Association issued the "China Bank Card Industry Self-discipline Convention", requiring banks to provide cardholders with time tolerance service, with a tolerance period of at least 3 days and a tolerance amount of at least RMB 1 yuan. That is to say, after the repayment date expires, the repayment can be delayed for 3 days, which will not be regarded as overdue.

The details about the time tolerance provided by major banks are as follows:

1. ICBC

Only Car Plus Credit Card, China Resources Tong Card, Anbang Plus Credit Card, installment credit card, World Struggle Card, Cosmos Star Card and Military Soul Card provide time tolerance service, but other cards do not.

2. Bank of Communications

provides a tolerance period of 3 days (the last day will be recorded before 21: ), and the tolerance amount is ≤1 yuan (US$ 1).

3. China Merchants Bank

provides a three-day tolerance period, and the tolerance amount is ≤1 yuan (US$ 1).

4. CITIC Bank

provides a tolerance period of 3 days (the last day will be credited before 2: ), and the tolerance amount is ≤1 yuan (USD 2, EUR 2, HK$ 1).

5. Guangdong Development Bank

provides a tolerance period of 3 days (once a year), and the tolerance amount is ≤1 yuan (USD 2, HKD 16).

6. Ping An Bank

provides a three-day tolerance period, and the tolerance amount is ≤1 yuan.

7. Shanghai Pudong Development Bank

provides a 3-day tolerance period (recorded before 2: on the last day), and the tolerance amount is ≤1 yuan (USD 2).

Generally speaking, credit card repayment can be postponed for 3 days, but the specific regulations of major banks are also different. Some banks need to apply and some don't. Of course, if your previous repayment record is not good, the bank will not provide you with this service.

How long is the interest-free period of credit card repayment? Look at the tolerance of banks here.

One of the most important reasons why credit cards are loved by everyone is that they advocate spending first and then repaying, and there is an interest-free period. Due to the different policies of banks, the length of interest-free period enjoyed by them is different. Today, I will tell you about the interest-free hours and time tolerance services of several major banks.

1. China Bank Credit

Repayment method: repayment by card;

interest-free period: generally 2 days;

time tolerance grace period: 3 natural days and 9 natural days for platinum card;

tolerance amount: 1% of the bill amount.

2. ICBC credit card

repayment method: repayment by card;

interest-free period: generally 25 days;

time tolerance grace period: ICBC credit cards generally do not enjoy time tolerance grace period, and only personal cards enjoy 3 natural days grace period;

tolerance amount: only the unpaid part will be penalized.

III. Credit card repayment method of China Construction Bank

: repayment by card;

interest-free period: generally 2 days;

time tolerance grace period: 5 natural days;

tolerance amount: no tolerance amount service.

iv. Credit card repayment method of Agricultural Bank

: repayment by card;

interest-free period: generally 25 days;

time tolerance grace period: 2 natural days;

tolerance amount: Puka 1 yuan, Gold Platinum Card 2 yuan.

V. Minsheng Bank Credit Card

Repayment method: household repayment;

interest-free period: generally 2 days;

time tolerance grace period: 3 natural days;

that's all for the interest-free period of credit card repayment and the time tolerance service. I hope it's useful for you.

This is the end of the introduction about the credit card tolerance period and whether the credit card limit will decrease after the credit card tolerance period is entered. I wonder if you have found the information you need?