1. What are the consequences of being 4 days overdue on your credit card?

If you are 4 days late in repaying your credit card, your credit report will generally not be reported and you will only be charged accordingly. interest. Credit reporting is indeed very strict, but credit cards have credit card rules. The grace period of most banks is 3 days, and there is a risk of being credited after 3 days. But it does not mean uploading one day after the due date, nor does it mean uploading after the grace period.

In short, it is best to call customer service to confirm. If the information has not been uploaded, there is a chance to remedy it. After the credit card is overdue, no additional interest will be accrued during the grace period. There is a chance to remedy the situation 1-2 days after the grace period. If it is overdue, you will be charged interest on the entire amount of your bill since the first purchase.

2. What is the interest rate for a credit card that is overdue for 4 days?

If the payment is not repaid in full on time, ordinary card consumption will not enjoy the interest-free treatment, and each transaction will be deducted from the billing date. (Generally on the second day of consumption) Interest will be calculated on that day, with a daily interest rate of 0.05% until the date the account is settled. Taking a principal of 10,000 yuan as an example, the daily interest is 5 yuan.

If you choose the minimum payment, the interest calculation mechanism is the same, except that the principal is the portion of all bills to be repaid. The number of days from the recording date of each account to the date the account is paid off is the number of days for interest accrual, and the daily interest rate is 5/10,000. In addition, there will be a certain penalty for overdue payment, which is 5% of the minimum repayment amount.

3. Can I still use my credit card if it is overdue for 4 days?

You can continue to use it if it is overdue for 4 days. This kind of overdue time is not long. Call the bank customer service Call to explain the situation, pay off the credit card and continue using it. Generally speaking, if the credit card is overdue for one week to one month, the credit card will not be frozen, but the limit will be reduced to a certain extent.

If the overdue time is long, or even more than a few months, then a comprehensive assessment needs to be made based on your overdue situation. It is recommended to try to swipe the card after the repayment is credited to see if the consumption can be successful. Or contact the bank staff to see if you can apply to resume use. If not, you can only wait until your credit report is fully restored.

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