It won’t have any impact.

The repayment date of a credit card has always been the "deadline" on each of our cardholders' calendars. Whenever this date approaches and the debt has not been fully paid off, I believe that many of my friends, like me, will find it hard to sleep well at night and forget about food and drink. Indeed, in the past, if you paid off your credit card one or two days late, or paid off a fraction less, you may indeed be subject to full penalty interest and cause your personal repayment to be overdue, thus affecting your personal credit record and subsequent loans. However, with the implementation of the new version of the "China Bank Card Industry Self-Discipline Convention" (hereinafter referred to as the "Convention"), the consequences of overdue credit card repayments for three days are no longer so terrible, but rather "cute", because consumers will receive clarification from the bank. Humanized grace: If the payment is delayed for up to 3 days and the repayment difference is within 10 yuan, no penalty interest will be charged.

The "Convention" stipulates that banks must not only provide repayment reminders through text messages, emails, etc. at least 3 days before the due date of repayment, but also provide at least 3 days of repayment grace period services. That is to say, if the cardholder repays the money within 3 days after the specified repayment date, the bank will treat it as full repayment in the same period, and no penalty interest will be allowed for this. At the same time, the convention also stipulates that banks must provide "tolerance services" to cardholders. If the cardholder has insufficient repayment in the current period, and the unpaid portion of the account after the due repayment date is less than or equal to a certain amount (at least When the amount is equivalent to RMB 10), it shall be regarded as full repayment by the cardholder.

However, the bank teller reminded that the 10 yuan grace limit is mainly for those who are careless or forget to calculate the payment fee. If only part of the payment is repaid, the full amount of penalty interest will still be charged. In addition, the "3 days" in the 3-day grace period for repayment refer to "natural days", not "working days". Therefore, cardholders must pay attention to calculating the "bearance period" and it is best to insist on on-time repayment.

We will not go to the People's Bank of China for credit reporting at the moment, so if you repay overdue, you will only have to pay extra handling fees and penalty interest, and will not leave a bad credit record. But if you want to handle financial business in the future, such as JD Baitiao, it will be more difficult and will affect Xiaobai's credit score. Gold bars will also seriously affect your credit score. Because gold bars impose strong penalties for overdue loans, overdue loan information will be reported to the system as soon as possible. If the gold bars are not returned, it will leave a big stain on the People's Bank of China's credit report. The consequences of having a tainted credit report are as follows:

(1) When applying for a home loan or a car loan from a bank, you will be unable to pass the loan review because of the tainted credit.

(2) People with tainted credit reports may be turned away from auctions, etc.

(3) The credit card limit will also be reduced.

Another consequence of non-repayment is that consumption will be restricted and you will also lose the right to use loan products such as white bars and gold bars. If you don't pay it back, you may be taken to court. Once listed on the list of dishonest persons by the court, you will not be able to take high-speed trains, planes, or buy private cars in your daily life. Most importantly, the children will be limited in their education.

Except for some specific circumstances, the platform has no grace. If it is overdue for one day, it will be considered a breach of contract, which will result in penalty interest, credit citation, freezing, etc. After the gold bar is overdue, it will be sent through in-site messages, text messages, emails, etc. Collection methods include phone reminders, sending letters, door-to-door visits, and judicial channels. Only after repayment will there be a chance to lend again. As for whether it can be borrowed after the expiration date?

It depends on the user’s personal qualifications and usage conditions.

1. If the borrower has average qualifications and is not an active user, then the credit limit is likely to be frozen after the expiration date, and will only be restored after repayment.

2. Judging from user feedback, gold bars will not be frozen immediately if they are one day overdue, and there is still an opportunity to lend them out.

However, everyone needs to pay attention to the fact that Gold Bar 99 will have a credit report. The biggest consequence of being one day overdue is the credit record. Many people said that they have already been on the credit report after being one day overdue. Only a few users said that they have not. For the sake of caution, it is recommended that everyone repay the loan on time, no later than 24:00 on the repayment date.