The credit card of Guiyang Bank has a three-day grace period after repayment. As long as the repayment is made within the grace period, it can be counted as timely repayment. If it is more than three days and the repayment is not made on time within the grace period, it will be regarded as overdue, that is to say, all the consumption in the bill will not enjoy the interest-free period, and the interest will be 0.05%, in addition to the late payment fee.

There are two repayment methods:

1. Self-service terminal repayment: you can use Guiyang Bank debit card to transfer repayment at ATM, or you can use credit card to deposit or withdraw the card at the cash machine.

2. Counter repayment: Cardholders can repay directly at Guiyang Bank outlets by cash or transfer.

The credit card of Guiyang Bank generally has a grace period of three days after the repayment date, and repayment within the grace period is regarded as timely repayment. The specific provisions are as follows:

1, if it is paid off in full, it will not generate any expenses;

2. If the repayment amount is less than the minimum repayment amount stipulated by the bank, it will be deemed overdue, with interest of 0.05%, and the unpaid part of the minimum repayment amount will be subject to a 5% late fee;

3. If the repayment amount is greater than or equal to the minimum repayment amount and less than the full repayment amount, interest shall be paid at 0.05%;

4. Repayment beyond the grace period is deemed overdue, with interest of 0.05% except for the late payment fee.

Brief introduction of credit card repayment methods of Guiyang Bank;

1。 Self-service terminal repayment method: You can use Guiyang Bank debit card to transfer repayment at ATM, and you can also use credit card to make card or card-free deposits at cash machines.

2. Self-deduction repayment: the cardholder is bound to the personal settlement account of Guiyang Bank. After the binding is successful, the system will repay itself on the last repayment day of each month.

Binding methods: filling in the credit card application form for the first time, online banking binding, telephone banking binding and counter binding.

legal ground

Criminal law of the people's Republic of China

Article 196

Whoever commits credit card fraud in any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property and credit card overdue standards shall be confiscated:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.