The final repayment time of the credit card is before 24: 00 pm on the repayment date. For example, if the final repayment date is 10, the customer must repay before 24: 00 on 10, otherwise there will be overdue repayment, and too many overdue times will directly affect the customer's personal credit information.

Extended data

Credit cards have two concepts: billing date and repayment date (also known as the last repayment date). Bookkeeping date is the date of transaction settlement in a bookkeeping cycle, and repayment date is a repayment cycle. Because you can't get back in touch with customer service, it doesn't rule out that you misunderstood the customer service staff's explanation or that the customer service staff's statement was unclear or even incorrect.

The repayment date is mainly used by banks to judge whether the cardholder has a malicious overdraft tendency and judge the cardholder's economic situation. Therefore, repayment after the last repayment date will inevitably lead to overdue records. Whether this record can be changed from the central bank needs further consultation with the issuing bank.

ICBC official website-Minimum Repayment Time

People's Network-Three Reasons for Late Payment of Credit Cards