1. One day overdue has no effect

The credit card of China Construction Bank has a three-day repayment grace period, and one day overdue is within the grace period. As long as the user repays within the grace period, China Construction Bank will consider the user to repay on time. Repayment on time will not have any negative impact, and only normal repayment information will be uploaded to the credit information.

2. Repayment within the grace period

For the user, if the repayment is not made on the repayment date, the user also needs to pay off the credit card debt within the grace period. During the grace period, users can choose full repayment, minimum repayment or installment repayment, which are all normal repayment methods. Repayment after one day overdue: after the repayment date, repayment the next day means repayment after one day overdue. For CCB's bank credit card, interest will be calculated on a daily basis and a 5% late fee will be paid, and overdue records will also be uploaded to the People's Bank of China for credit reporting.

second, the consequences of overdue credit card beyond the grace period

overdue repayment will lead to default interest on credit card, and the interest will be charged at .5 ‰ of the daily interest rate. In addition, there will be a late payment fee, which is usually 5% of the overdue amount. Not only that, the most troublesome thing is the personal bad credit record caused by overdue. It is worth noting that it is a crime to overdraw a bank card maliciously. "Malicious overdraft" means that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than three months after being collected twice by the issuing bank. Malicious overdraft belongs to the crime of credit card fraud. According to the criminal law, a malicious overdraft of more than 5, yuan on a credit card constitutes a crime of credit card fraud and may be sentenced to fixed-term imprisonment of not more than three years; Malicious overdraft between 5, yuan and 2, yuan is a huge amount and may be sentenced to 5 to 1 years in prison; More than 2, yuan is a huge amount, and the sentence is over 1 years.

It doesn't matter to the cardholder that the construction credit card is overdue for one day. Because the construction bank has a three-day repayment grace period, it is no problem to repay within this repayment grace period, and it will not affect the personal credit record. If the cardholder repays through a third-party platform or other software, it is necessary to pay attention to whether the account will take too long and lead to overdue.