There is a grace period for Postal Bank credit cards, but specific issues need to be analyzed in detail. Under normal circumstances, the bank will grant a grace period within 5-10 days after the repayment date. If the loan is not repaid after the grace period, overdue fees will be incurred.

As for how to avoid overdue payments, in addition to carefully formulating a repayment plan, making adequate financial estimates, and reasonably planning consumption limits, you can also choose to activate the automatic repayment function of your credit card to avoid oversights that lead to overdue payments.

When applying for online loans, many people were told that they were blacklisted due to insufficient comprehensive scores. If the black account is not caused by overdue payment, other reasons need to be found. For example, whether it is due to the high frequency of applying for online loans, you can check what you are unclear about in the "Changbai Data". As long as you understand the reasons for becoming a black account, you can improve your credit status according to the situation and avoid the negative impact of overdue credit.