Legal subjectivity:

Every bank now has a grace period of about 3 days for customer repayments. If you fail to repay after the grace period, you will be subject to a credit report. The bank's grace period is generally about 2-5 days. If you repay the money within the grace period, there will be no penalty interest or the credit system. However, if you have not repaid the money after the grace period, it is very likely that The credit reporting system will be available. Therefore, we must be aware of overdue precautions, use credit cards rationally, and repay on time or in advance. Legal objectivity:

: Article 13 of the "China Bank Card Industry Self-Discipline Convention" Member units should strengthen publicity on bank card use and risk prevention, and ensure that customers are aware of bank card business interest calculation and charging standards. and related risks, and have full rights to know and choose. (1) Member units should strengthen the disclosure of credit card business information, fully reveal the meaning of credit card interest calculation rules, clearly state the interest calculation rules in prominent fonts in the credit card application form, and provide calculation rules and simulation cases through publicity channels such as websites; (2) Member units should implement the requirements of regulatory rules and choose credit card interest calculation methods and corresponding preferential measures suitable for their own development based on actual conditions, but should clearly inform credit card applicants (or cardholders) of the relevant information to ensure that the application People (or cardholders) can decide whether to accept it according to their own wishes. (3) Member units should provide repayment reminders to cardholders through bills, text messages, emails, phone calls or letters at least 3 days before the due date of credit card repayment. (4) Member units can provide multiple billing dates for cardholders to choose and change, and the number of changes can be limited. The above is my answer to this question. I hope it will be helpful to you. Thank you.