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How to calculate the overdue repayment of credit card?
Excuse me, how to calculate the overdue time of credit card

As long as the cardholder fails to repay the minimum repayment amount on the credit card repayment date, it can be counted as overdue. However, there is usually a three-day grace period after credit card repayment. If the cardholder can complete the repayment within the grace period, it will generally not be overdue, and the grace period of each bank is different.

Whether the credit card is overdue is subject to the last repayment date, which is divided into three situations:

1. Before the end of the final repayment date, the cardholder will pay off all the current bills, which will not be overdue and will not generate interest;

2. Before the end of the final repayment date, the cardholder shall repay the current bill according to the minimum repayment amount, without overdue, and interest shall be calculated on the unpaid part;

3. Before the end of the final repayment date, the cardholder's current bill repayment amount is lower than the minimum repayment amount. Whether it is overdue depends on how the bank stipulates it.

Many banks can provide tolerance service for cardholders. Time tolerance refers to the grace period of repayment. Most banks can provide 1-3 days time tolerance service, but some banks do not, such as ICBC. Generally speaking, the last entry time of the tolerance period stipulated by each bank is overdue. It is recommended to take the issuing bank's own repayment channel instead of using a third party to avoid delaying the entry.