After everyone makes a purchase through a credit card, they need to pay off the balance within the specified time. Some cardholders repay overseas. So how long does it take for the overseas credit card repayment to arrive? Let’s take Guangfa Credit Card as an example.

How long does it take for the overseas repayment of Guangfa Credit Card to arrive?

The arrival time of overseas repayment of Guangfa Credit Card: Guangfa_Bank Repayment: Repayment before 22:00 will arrive on the same day, and repayment after 22:00 will arrive on the next day; UnionPay inter-bank repayment: 22: 00 will be credited to your account the next day.

If you have a US dollar bill after spending in foreign currency, you can also use US dollar cash to repay the bill, just go to the counter where you can buy foreign exchange and deposit it.

If the dual-currency card has been activated for Guangfa Bank automatic repayment, and the debit methods of RMB and USD accounts are inconsistent, the system will report an error when adding UnionPay inter-bank automatic repayment, and the Guangfa Bank automatic repayment in RMB and After the USD account debit method is modified to be consistent, UnionPay inter-bank automatic repayment is enabled.

If you fail to repay the minimum payment amount of the current bill on the last payment date of the bill: 1. Overdue payment penalty and interest will be incurred; 2. It may affect the normal use of the card. If the card is used as a result, It is frozen. Whether the card can be used normally after repayment is subject to the bank's review.

If you are under repayment pressure, you can apply for the minimum repayment amount:

Minimum repayment amount (ie: the minimum monthly repayment amount, no special application is required) = cash advance transaction + Consumption installment transactions (new installment orders from December 17, 2022 (inclusive)) + service and miscellaneous fees + 10%/5% of the remaining balance of the bill + the outstanding minimum repayment amount of the previous period. The minimum amount is ￥100/$20 for Gold Card and ￥50/$10 for Regular Card. If you only repay the minimum payment amount on time, consumption interest will be charged, and the remaining unpaid portion of the bill will be automatically settled into the next bill.