1. The three-day grace period of the credit card refers to three days after the repayment period. For example, if the repayment date is 1 day per month, the grace period is 2-4 days per month. It should be noted that the deadline for grace period is not always 23: 59 that evening, and the deadline for grace period of some banks is 20: 00 or 2 1 on the third day. Different banks have different terms.
2. Credit card grace period:
After the cardholder repays within a certain period of time after the due repayment date, he can reduce the corresponding interest and late payment fee after applying to the credit card center, and will not be recorded in the bad credit record by the bank. This period of time has become a grace period for credit cards.
According to the regulations of the bank, once the cardholder fails to return the corresponding amount after the final repayment period, the cardholder needs to pay the corresponding interest and late fees, and may be entered into a bad credit record by the bank. However, there are many non-subjective reasons that can't be controlled in the actual operation process, such as: customers who automatically bind repayment failed to repay due to the failure of the banking system, and used other repayment methods to repay, but did not record the repayment amount on the last repayment date. .......................................................................................................
The cardholder can call the credit card center to explain the situation after the above situation, and the customer service specialist of the credit card center will reduce the relevant fees for you according to the actual situation.
3. At present, the grace period of most banks is three days, such as Huaxia Bank, Industrial Bank, Postal Savings Bank, Shanghai Pudong Development Bank, China Everbright Bank, Bank of Beijing, Shanghai Bank, Citibank, Ping An Bank, Minsheng Bank, China CITIC Bank, China Guangfa Bank and Bank of Communications. The grace period of a few banks is quite special, for example, the grace period of China Construction Bank is 5 days; The grace period of China Bank Puka is 3 natural days, and the grace period of Platinum Card is 9 natural days; The grace period of Agricultural Bank is 2 days; It should be noted that ICBC Star Card, Struggle Card and ICBC Car Plus Card enjoy a grace period of three natural days, while the remaining cards do not enjoy grace period service.