Urgent! Urgent! Urgent! Can the repayment period of Huaxia Bank's credit card be automatically extended? If you don't call to apply for an extension by the repayment date, will it be automatically extended? It will be postponed automatically. This time is called credit card time service.

According to Article 14 of China Bank Card Industry Self-discipline Convention?

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

1. Member units shall provide cardholders with "time-tolerant service" and provide repayment grace period service for a certain period, and the repayment grace period shall be at least 3 days from the due repayment date; If the cardholder repays within the repayment grace period, it is deemed that the cardholder repays on time.

2. Member units provide "tolerance service" for cardholders. If the cardholder's repayment in the current period is insufficient, and the unpaid part in the account after the due repayment date is less than or equal to a certain amount (at least equivalent to RMB 10 yuan), it shall be deemed that the cardholder has repaid in full.

Extended data:

Relevant provisions of Huaxia Credit Card Articles of Association (20 19 Edition)

When the card issuer receives the repayment from the cardholder, it shall repay all kinds of arrears (including transaction payment, handling fee and interest, etc.). The repayment order of its credit card account is as follows, and similar debts are repaid in the order of bank bookkeeping:?

1. For credit card accounts that are not overdue, repay the arrears that have passed the interest-free repayment period or do not enjoy the interest-free repayment period first, and then repay the arrears that have not passed the interest-free repayment period.

2. For credit card accounts that are overdue for 1-90 days (inclusive), the interest or fees shall be repaid first, and then the principal shall be repaid (except for the transaction amount of interest and fees, the same below); If the credit card account is overdue for more than 9 1 day (inclusive), the principal shall be repaid first, and then all fees or interests shall be repaid. The card issuer may change the above repayment order according to laws, regulations or regulatory requirements.

Baidu Encyclopedia-China Bank Card Industry Self-discipline Convention

Articles of Association of Huaxia Bank-Huaxia Credit Card (Version 20 19)