It doesn't matter if the credit card repayment exceeds the repayment date 1 day, as long as it can be repaid within three days of the repayment date, it is not overdue.

1. Credit cards generally have a grace period of three days after the repayment date, and repayment within the grace period is regarded as timely repayment.

2. If it is paid off in full, there will be no cost.

3. 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.

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

5. Repayment beyond the grace period is deemed overdue: interest is 0.05%, and there is a late fee.

1. Credit cards have two concepts: billing date and repayment date (also called the last repayment date). Bookkeeping date is the date of transaction settlement in a bookkeeping cycle, and repayment date is a repayment cycle. Because you can't get back in touch with customer service, it doesn't rule out that you misunderstood the customer service staff's explanation or that the customer service staff's statement was unclear or even incorrect. ?

2. The repayment date is mainly used by the bank to judge whether the cardholder has a malicious overdraft tendency and judge the cardholder's economic situation. Therefore, repayment after the last repayment date will inevitably lead to overdue records. Whether this record can be changed from the central bank requires further consultation between you and the issuing bank.

Generally speaking, every bank will charge a certain interest for overdue repayment, which is different from each bank, and is generally five ten thousandths of the interest. However, the value date should be calculated from the date of consumption, not from the day after the last repayment date.

4. The minimum repayment amount can be paid before the total recommended amount is paid, which will not affect the credit limit. At the same time, there will be a buffer period, so that the bank can know the flow of funds in your account in time and will not freeze the account!

When a credit card (debit card) holder chooses the minimum repayment method or uses a card that exceeds the credit limit approved by the issuing bank, he will no longer enjoy the interest-free repayment period, and will pay overdraft interest calculated at the prescribed interest rate for the unpaid part from the bank bookkeeping date.

References:

Baidu encyclopedia-overdue repayment