Generally speaking, a credit card is considered expired when the repayment date exceeds three days. Usually, bank credit cards have a grace period. However, banks did not stipulate the grace period according to the regulations of banks.

According to "China Bank Card Industry Self-discipline Convention", banks provide time-sensitive services for cardholders, and remind cardholders to repay by SMS or email at least 3 days before the due repayment date, and provide a repayment period of at least 3 days.

Action suggestion: before the credit card expires, if you know that you will not repay, you can contact the bank in time to inform yourself of the latest situation and negotiate with the subsequent repayment party; The credit card has expired, which may stain the credit history. Don't ignore or deal with it negatively, but actively take correct measures to save it. If you have legal concerns or have already faced legal problems, you can contact a lawyer for specific consultation.

Paragraph 1 of Article 14 of the China Convention on Self-discipline of Bank Card Industry. When a member unit provides "time-tolerant service" for the cardholder, it shall provide the cardholder with a repayment grace period of 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.

Can I transfer money by credit card?

You can transfer money. Credit cards can only be transferred to debit cards, not credit cards. It is illegal to transfer money to a credit card.

Credit card to debit card requires the cardholder to hold the debit card of the credit card bank and open telephone banking, online banking or mobile banking to realize the transfer.