Generally speaking, the grace period of ABC's credit card is 2 days. Credit card "time tolerance" (grace period) service means that the Agricultural Bank of China gives interest-free repayment period treatment to customers who repay within two days after the due repayment date, and repayment during the repayment period does not generate interest.
Agricultural Bank of China sets the due repayment date as 25 days after the bill date, and the longest interest-free repayment period can reach 56 days. After the due repayment date, an additional two days grace period is added, that is, customers can actually enjoy the longest interest-free repayment treatment of "562".
However, if the user exceeds this time limit, the bank will consider the repayment overdue, which will not only generate interest, but also be recorded in personal credit information, which will affect the user's loan or credit card application.
Agricultural Bank of China offers a two-day grace period for credit card holders of Agricultural Bank of China. For customers who repay within two days after the due repayment date, the Agricultural Bank of China will treat the repayment as before the due repayment date and give an interest-free repayment period. In addition, ABC also provides tolerance repayment service for ABC credit card holders, and the minimum repayment amount is sufficient. The outstanding amount is less than or equal to 65,438+00% of the amount owed by the bill and not higher than the specified amount. Agricultural Bank of China regards cardholders as full repayment and enjoys interest-free repayment. The unpaid part is carried forward to the next billing cycle.
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How long is the grace period for repayment of ABC?
Take Fuzhou, Fujian as an example, there is no time limit for repayment by ABC.
Assuming that the repayment date is 10, the system will automatically perform batch deduction on 10. Insufficient account balance during deduction may lead to the failure of deduction and make the mortgage overdue. If you don't repay in time, it will be overdue, probably because the deposit time exceeds the bank deduction time and the balance of the deduction account is insufficient.
On the day of deduction, banks usually transfer money in batches, but the time of batch deduction is not necessarily the same for each bank. Therefore, banks generally advise cardholders to deposit money into deduction accounts before repayment date.
Take the Agricultural Bank of China as an example. A few days before the repayment date, the bank will send a short message to remind the customer that X is the last repayment date, and it is necessary to deposit the mortgage before the repayment date 17 to ensure that the account balance can be transferred. The batch deduction time of ABC's mortgage is around 17:00.
If it is overdue for a long time, the bank will generally evaluate the customer's credit history according to the standard of "three consecutive times and six times". The so-called "three times in a row, six times in a row" refers to the overdue repayment of "three months in a row, six times in total". Suppose a customer's mortgage is overdue for three consecutive months or accumulated six times. If he applies for a loan again, the bank will certainly be more cautious.
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The Agricultural Bank of China does not specify the grace period for repayment, so it is recommended to repay the loan on time before the repayment date to avoid overdue. Because the overdue time is more than 3 days, it will basically be recorded in the bad credit record; If it is overdue for more than 3 months in a row, it will enter the blacklist of banks. And after the deadline, you have to bear interest and late fees.
If it is still within the grace period of credit card repayment of ABC, apply to the bank for grace period repayment as soon as possible; If it is overdue for more than two days, the first priority is repayment, preferably in full. At the same time, take the initiative to contact the bank, indicating that you are not maliciously owing money. If the previous credit record is good, it will probably not be recorded as a bad record.