When does the credit card overdue date start to be calculated?

1. Credit cards have two concepts: billing date and repayment date (also called the final repayment date):

2. The billing day is the day on which transactions within a billing cycle are settled.

3. The repayment date is a return period. The main function of the repayment date is for banks to determine whether the cardholder has a malicious overdraft tendency and to determine the cardholder's financial status. Therefore, repayment after the final repayment date will inevitably result in an overdue record. Whether this record can be changed from the central bank requires further negotiation with the card issuing bank.

4. However, most banks have a grace period for credit card repayments. Usually there is a grace period of two to three days. During this period, if the repayment can be made on time, the credit card is not considered overdue. However, some banks do not provide time-limited services. For example, if the repayment date of Industrial and Commercial Bank of China is overdue, the grace period for credit card repayment of Agricultural Bank of China is 2 days. If the payment is made on the 25th, the payment will be considered overdue after the 27th.