At 24:00 on the third day after the final payment date. In accordance with Article 14 of the "China Bank Card Industry Self-Discipline Convention", Industrial Bank provides its credit card holders with a 3-day grace period for repayment. The repayment will be credited to the account before 24:00 on the third day after the last payment date. For on-time repayment. If you repay beyond the grace period, the overdue repayment record will be reported to the central bank for credit reporting.
: If you do not repay in full before the payment due date and do not choose the minimum repayment amount on your credit card, the penalties you may face are:
1 . All consumption payments will no longer enjoy the interest-free repayment treatment. The bank will calculate interest on a daily basis from the day of consumption, using the consumption amount as the principal, with a daily interest rate of 0.05% and compound interest on a monthly basis;
2. Receive a reminder call or letter from the bank;
3. Freeze your account and feed your debt record back to the People's Bank of China to record it in your credit file, affecting your Personal credit;
If you really don’t have enough money to repay the full amount on the due date, please choose the minimum repayment amount of your credit card to repay. In this way, you only need to repay the total amount of each installment. 10 of the fee. Although there is no interest-free repayment period for repayment, it can avoid personal credit damage.
Information about Industrial Consumer Finance:
Industrial Consumer Finance is a consumer finance company established by Industrial Bank and has a consumer finance license issued by the China Banking Regulatory Commission. Therefore, the formality of Industrial Consumer Finance is guaranteed. Loan model Currently, Industrial Consumer Finance adopts a pure credit loan model without mortgage or guarantee. The maximum limit can be up to 200,000 yuan, and the loan can be issued as fast as the same day. There are three main loan products of Industrial Consumer Finance, namely empty hand, family consumption loan and student aid, which can meet the consumption and education needs of individuals and families. Charging Situation Industrial Consumer Finance has made a commitment to the charging situation, ensuring that all charges are transparent and open, and will not authorize a third party to charge any guarantee fees, agency fees, etc. outside the contract. Industrial Consumer Finance is a consumer finance company established by Industrial Bank. It is backed by Industrial Bank, which has been listed and has total assets exceeding 4 trillion yuan. It has a consumer finance license issued by the China Banking Regulatory Commission, so the formality of Industrial Consumer Finance is guaranteed. Needless to say, background strength; secondly, in terms of lending model, Industrial Consumer Finance adopts a pure credit loan model, which does not require mortgage or guarantee, and the maximum amount can reach 200,000 yuan, and the loan can be issued as fast as the same day. There are three main loan products of Industrial Consumer Finance, namely empty-handed loan, family consumption loan and student aid, which can meet the consumption and education needs of individuals and families. Finally, Industrial Consumer Finance has made a commitment to the fees and ensures that all fees are paid. It is transparent and open, and will not authorize third parties to charge any guarantee fees, agency fees, etc. outside the contract. When users apply for a loan, as long as they meet the conditions, they will basically make the payment. Users who are worried can call the customer service hotline of Industrial Consumer Finance for further verification.
Customer service hotline: 400-10-95561
Quanzhou Headquarters: 17th Floor, Industrial Bank Building, No. 213, Fengze District Street, Quanzhou City, Fujian Province
Shanghai Management Headquarters : 12th Floor, Taiping Financial Building, No. 488 Yincheng Middle Road, Pudong New District, Shanghai