If the cardholder can pay off the debt before this time, Shanghai Pudong Development Bank will regard the cardholder as a normal repayment, and the cardholder's personal credit report will not be affected. If the cardholder fails to pay off the arrears or the minimum repayment amount before this time, Shanghai Pudong Development Bank will regard the cardholder's overdue repayment and the cardholder's personal credit will be affected.
In order to avoid overdue repayment, cardholders should pay attention to the following points when using credit cards:
(1) Avoid excessive borrowing. Cardholders should have a clear understanding of their repayment ability when using credit cards, and do not apply for loans beyond their repayment ability.
(2) Open the automatic repayment function of credit card. Many times, it is not because the cardholder is unable to repay, but because the cardholder forgets to repay. Therefore, it is best for cardholders to open the automatic repayment function of credit cards. In this way, even if the cardholder forgets the credit card bill, the bank can automatically complete the repayment as long as there is enough funds in the account.
(3) Flexible use of bill installment function. If the cardholder does not have the ability to repay in full, then the cardholder should make reasonable use of the installment function provided by the bank to extend the repayment period of the bill to reduce his repayment pressure.
The above is what Bian Xiao shared for you about the latest repayment time of Shanghai Pudong Development Bank. More information can focus on the construction industry and share more dry goods.