2. Keep communication open. The most taboo behavior after the credit card is overdue is to deliberately avoid the bank's dunning call. The correct way is to explain your willingness to repay and the current economic pressure in time after connecting the phone and ask the bank for grace.
3. Apply for extension or suspension of interest payment, negotiate with the bank to formulate a personalized installment agreement, and stop the collection of default interest. Cardholders can apply to the bank for a policy of delaying repayment or suspending interest payment, and sign an appropriate installment agreement to stop the accumulation and collection of penalty interest.
How many days is ABC's credit card overdue?
Agricultural Bank's credit card will be credited if it is overdue for more than 2 days, because the bank's credit card has only a 2-day repayment grace period.
If the credit card holder of Agricultural Bank of China forgets to repay on the repayment date, he can still repay within 2 days after the repayment date, and such repayment is regarded as normal repayment. However, if the repayment is not made after this time, it will be regarded as overdue, and the Agricultural Bank of China will start to calculate the interest and report it to the credit reporting agency.
It should be noted that the repayment date of ABC's credit card is 25 days after the bill date, and it enjoys an interest-free repayment period of up to 56 days. Therefore, on the basis of the interest-free repayment period, the interest-free repayment period of ABC Credit Card is actually 58 days (56 days +2 days grace period). However, in order to enjoy interest-free, cardholders need to repay in full.