If the credit card has time-sensitive service, it is no problem to repay the loan one day later. Repayment within the grace period is still regarded as normal repayment by users, and there will be no overdue credit record. Credit cards have no time-sensitive service, and one day late payment will be considered overdue. Overdue repayment requires not only the return of the principal, but also the return of the penalty interest, so that overdue records will be reported to the credit bureau, which will affect personal credit.

If there is no special reason, users should try their best to repay on the repayment date. For credit cards with grace period, the repayment period can be appropriately relaxed.

Related knowledge supplement:

First, the consequences of overdue credit cards.

1. Credit cards have an interest-free period after they are overdue, which is about 20 to 50 days. There is no interest during this period, but if you don't pay it back after this period, there will be interest. Besides the principal, you have to pay interest.

2. Overdue may affect your personal credit information, and your information will be uploaded to the central bank's credit information system, thus becoming a faithless person, which will have a great impact on your taking the high-speed rail and buying a house and car in the future.

3. Those who are seriously overdue will be classified as malicious overdraft of credit cards, and they need to bear criminal responsibility and will be sentenced, which will bring great troubles to their lives.

2. Credit card handling fee = handling fee rate of credit card amount. Different industries have different rates ranging from 0.5% to 4%.

Generally, the discount rate of the first type of merchants, including catering, hotels, entertainment, jewelry and gold ornaments, arts and crafts, is 2%-2.5%.

The second type of merchants, including real estate, automobile sales and wholesale, generally have a discount rate of 1%, and can apply for a single-comparison transaction cap.

The general discount rate of the third type of merchants, including gasoline and supermarkets, is 0.5%- 1%.

The fourth type of merchants, including public hospitals and public schools, generally have different discount rates in different regions.

The general discount rate for the fifth category of merchants including general categories is 1%-3%.

It should be noted that the credit card processing fee is charged by the bank to the credit card merchants, and the cardholder does not have to pay.

Three, credit card withdrawals do not enjoy interest-free period, from the date of withdrawal at the daily interest rate of five ten thousandths, until paid off. Taking the repayment after 20 days as an example, when withdrawing 10000 yuan, the interest to be borne is 100000.05% 20 = 100 yuan, that is, the daily 5 yuan interest, totaling 100 yuan for 20 days.

In addition, there is a handling fee for cash withdrawal by credit card, and the charging standard of the handling fee varies from bank to bank, generally around 1%-3%. Taking the transaction behavior as an example, the withdrawal fee of credit card is 1%, and the withdrawal fee of 10000 yuan is 100 yuan. It cost 200 yuan in all. Everbright and Ping An have higher withdrawal fees, both of which are 2.5%. Then the withdrawal fee of 65,438+00,000 yuan is 250 yuan, which is the total fee of 350 yuan.

It is suggested that cardholders should not use credit cards to withdraw cash easily if there is no special need. Even if there is a demand for cash withdrawal, you should choose some special cards with relatively cheap cash withdrawal fees, such as the Y-POWER credit card of Bank of Communications for RMB cash withdrawal, and the handling fee for each card is RMB 5 yuan. However, repayment should be made as soon as possible after withdrawal.

Does it matter if the credit card is overdue by one day?

No, the grace period for credit cards is 1-2 days. There will be no impact during the grace period.

Under normal circumstances, credit cards will not be credited if they are overdue for one day. But every bank is different. Please contact the credit card bank for details.

The last repayment date of the credit card is the repayment date of the credit card. As long as the repayment date is exceeded, the credit card will be overdue, but the bank will not report the credit information as soon as the user is overdue.

Generally, banks have a grace period for credit card repayment. The grace period of each bank is different, but the general grace period is three days. Therefore, as long as the user returns the credit card within the three-day grace period, the bank will not report it to the credit information system, but if the user returns it beyond the grace period, it will report it to the bank for credit information.

If the user fails to repay the loan after the three-day grace period, but due to special reasons, and it is the first overdue repayment, then at this time, he can also call the bank's customer service phone, sincerely show his actual situation, and immediately pay off the loan, and the applicant bank will not report his overdue repayment to the credit information system. If he has reported it, he can also apply for cancellation. Generally speaking, as long as there are sufficient reasons and the repayment has never been overdue, it is more likely that the bank will agree to the application.

First, the consequences of overdue

1. The liquidated damages are generally the minimum repayment amount, that is, 5% of the unpaid part.

2, the interest rate is high, and it is rolling interest. When there are many debts, the interest rate is scary.

3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years.

4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.

Second, overdue credit cards will definitely affect personal credit records. However, it should be noted that repayment beyond the last repayment date is not necessarily overdue. If your issuing bank has automatic credit card repayment time service, it is ok to repay within one or two days after the credit card repayment date. "Timeliness service" means that banks provide cardholders with a certain grace period for repayment, with a delay of at least 3 days from the last repayment date. However, not every bank provides time difference service. If you want to postpone the repayment for a day or two, you must first find out from the bank.

If the bank determines that the repayment is overdue, you need to pay five ten thousandths of the daily interest, and the overdue record will be kept in your credit data. But don't be too nervous. As long as you continue to use the card and accumulate good repayment records, you can overwrite the old records with new records.

What will happen if the credit card is repaid for more than one day?

If it is a CMB credit card, the credit card (including e-installment) has a three-day repayment grace period every month, and there is no need to apply.

Paying off the bill or the minimum repayment amount within 3 days after the repayment date will not affect your credit history.

Tips:

For example, the final repayment date is the 5th, and the repayment is postponed to 24: 00 pm on the 8th of that month, which is a normal repayment.

If the minimum repayment is not made within 3 days after the repayment date, it is overdue. Overdue will generate liquidated damages and interest, which will affect your personal credit and subsequent loan application. I suggest you return the money to your credit card as soon as possible.