For the credit inquiry at the meeting, the grace period for repayment of China Merchants Bank is 3 days, which has exceeded 5 days, so the details of the credit inquiry at the meeting are as follows: Grace period of China Merchants Bank: in each bill, the last day of recording credit card transactions is called "bill date". The due repayment date is generally about 18 days after the bill date (subject to the bill). 3 natural days after the due repayment date is the repayment grace period.
Credit information source:
Credit institutions collect information from sources of credit information. Specifically, credit information mainly comes from the following two types of institutions:
An institution that provides credit business. Mainly commercial banks, rural credit cooperatives, small loan companies and other specialized institutions that provide credit business. Other institutions. Including individual housing provident fund center, individual pension insurance and other institutions.
In addition, some of the above institutions also provide basic information such as personal address and contact information, which are provided to these institutions by individuals when handling business.
Credit information will be collected at the meeting when the loan or credit card of China Merchants Bank is overdue for 5 days. First, there is no repayment grace period for loans, but there is a three-day repayment grace period for credit cards. For example, if the final repayment date of a credit card is the 5th of each month, credit information will not be collected before 24: 00 pm on the 8th of that month.
China Merchants Bank has a three-day grace period for credit card repayment (no need to apply). If it is inconvenient for the cardholder to repay in full, he can repay according to the minimum repayment amount, and the minimum repayment amount cannot enjoy the interest-free repayment period. Interest is charged on all consumption in the current period from the bookkeeping date (usually the day after consumption), with a daily interest rate of 0.5 ‰ until it is fully paid off.
If the loan of China Merchants Bank cannot be repaid on schedule, it is suggested to contact the staff of China Merchants Bank before the repayment date to explain the difficulty of repayment. If you apply to repay part of the loan first, the success of the rest depends on the bank's evaluation.
Whether it is a loan from China Merchants Bank or a credit card, there will be overdue bad credit records on the repayment after five days. China Merchants Bank's mortgage has no grace period for repayment, and it is overdue for one day later, while China Merchants Bank's credit card provides users with a three-day grace period for repayment, and more than three days is overdue.
If you want to maintain a good credit, whether you use a loan or a credit card, you should try to repay it in time on the repayment date. If it really doesn't work, it should be repaid within the grace period of repayment. Only in this way can you accumulate more good credit records, which will be helpful for you to apply for other credit business in the future.