one day overdue credit card has little effect. Most bank credit cards have a grace period, basically three days. As long as you return it within the grace period, it won't have any impact. The bank will think that you repay it on time, so don't worry too much, but ICBC's credit card has no grace period. If the repayment is overdue for one day, it will be regarded as overdue repayment, and interest will be paid for one day.

Credit card deferred repayment skills:

1. Use the time-saving repayment period

Generally, banks will have a time-saving repayment period, that is, the bank will extend it for a few days after your repayment. Don't underestimate the repayment time. If the cash flow is tight, you can avoid your human loan or bridge interest these days. Generally speaking, banks with long interest-free periods have smaller capacity, while banks with short interest-free periods have larger capacity.

2. Repay according to the minimum repayment amount

The minimum repayment amount means that if the cardholder has difficulty repaying all the payables before the due repayment date, he can repay according to the minimum repayment amount stipulated by the issuing bank, but he cannot enjoy the interest-free repayment period. The minimum repayment amount is 1% of the consumption amount. All consumption in this period will bear interest from the accounting date, with daily interest of .5%, plus other payables.

3. Modify the date of credit card statement

Different banks have different rules for modifying the date of statement. Some banks can be replaced every six months, while others can be replaced once a year. The specific operation method is to call the customer service phone of the credit card center before issuing the bill and apply for modifying the bill date. The interest-free period of credit cards can be extended in disguise, but the operability is limited because some banks have mandatory regulations or limited revisions on daily reconciliation.

4. Installment of credit card bills by using the Exchange APP

This is a way to repay through services provided by a third-party repayment platform. After applying for the quota, you can complete the registration and check the approved quota within 1 minutes. You can use it to revive a bloody credit card and then repay it in installments.

what are the repayment methods of China merchants credit card?

1. Debit card repayment: Users can bind CMB credit card to CMB debit card. The credit card will automatically deduct the funds from the debit card for repayment on the repayment date.

2. Pocket Life Repayment: Users can log in to Pocket Life APP, click "All" on the home page, click "Review Repayment" in the credit card column, and make repayment according to the page prompts.

3. Third-party platform repayment: If the user's bank credit card is bound to third-party trading platforms such as WeChat and Alipay, repayment can also be made through third-party trading platforms.

4. Counter repayment at outlets: users can go to the counter outlets of China Merchants Bank to find staff to make cash repayment.