Supplementary information:
1. If you need to purchase foreign exchange for repayment in the bill, you still need to repay it 1 2 days before the grace period deadline to avoid losses caused by account delay. For example, if the final repayment date is the 5th of each month, the full repayment will be received before 20: 00 Beijing time on the evening of the 8th of that month, and no extra expenses will be incurred.
2. Operation path of applying for repayment grace period: Apply for deferred repayment through the official WeChat of Shanghai Pudong Development Bank "Shanghai Pudong Development Bank Credit Card"-micro-service, one adjustment and one modification.
3. If it really exceeds the repayment grace period, the bank will calculate it according to the daily interest of five ten thousandths, and the overdue record will be kept in your credit data. As long as you continue to use the card and accumulate good repayment records, you can overwrite the old records with new records without worrying too much about personal credit.
Operating environment:
Brand model: iPhone 13
System version: iOS 15.0
App version: 8.0. 16
Extended data:
1. How long is the credit card overdue?
1. On the due repayment date, if the cardholder fails to repay in time, there is a grace period. If the money is paid back within the grace period, there will be no penalty interest and it will not be uploaded to the credit information system. But if you don't pay back the money after the grace period, it is likely to be uploaded to the personal credit information system.
2. The grace period of each bank is different. Most banks have three days (this is a natural day, not a working day).
3. If the cardholder fails to repay in full in the current period, and the unpaid part in the account is less than or equal to a certain amount after the due repayment date, it is deemed that the cardholder has repaid in full, and the unpaid amount will be automatically transferred to the next bill, and this situation will not be recorded in the bad credit report.
2. Is the credit card overdue within the grace period?
There is a three-day grace period after credit card repayment, and repayment within the grace period is regarded as timely repayment.
1, time tolerance is overdue. "Time-tolerant" overdue means that the cardholder fails to repay the loan in time on the due date, and there is a grace period, during which there will be no penalty interest and it will not be uploaded to the credit information system. But if you don't pay back the money after the grace period, it is likely to be uploaded to the personal credit information system. The grace period of each bank is different. Most banks have three days (this is a natural day, not a working day).
2. Tolerance is out of date. The so-called "tolerance" means that the cardholder fails to repay in full in the current period, and if the unpaid part in the account is less than or equal to a certain amount after the due repayment date, it is deemed that the cardholder has repaid in full, and the unpaid amount is automatically transferred to the next bill, and this situation is not recorded in the bad credit report. The tolerance amount is generally within 10 yuan, but different banks have different tolerance policies, such as China Merchants Bank, Communications, Huaxia, Shanghai Pudong Development Bank and Xingye.
3. "Three tired six". "Three consecutive years and six consecutive years" is a general term for "three consecutive years" and "six consecutive years". "Three consecutive months" refers to overdue repayment, and "six consecutive years" refers to accumulated overdue repayment. In the eyes of banks, whether it is "three companies" or "six companies", it is a serious problem. People in both cases will be classified as "problem customers", that is, they will enter the "blacklist", which will have a serious impact on the future lending business.