Overdue interest: credit card overdue interest = last month's consumption * overdue days * 0.0005;
Overlimit fee: 5% of the highest amount in the bill, with the lowest 10 yuan and the highest 200 yuan.
The credit card grace period of Guangfa Bank is generally three days. As long as the cardholder repays within three days after the repayment date, it is still considered as timely repayment, and if the cardholder repays after three days, it is considered as overdue repayment.
Extended data:
When your bank credit card is overdue, you can try the following solutions:
1. If the overdue amount is small and occurs without your knowledge, you can apply to the bank to cancel the bad record, and the bank will submit an application to the central bank. ?
2. If it is currently overdue (overdue, unsettled), it is usually impossible to borrow money. Borrowers need to settle overdue loans and credit card overdue repayments before applying for loans.
3. If it is historically overdue, first check whether the credit record period has passed. At present, the overdue records of nearly five years are kept in the credit report, and the credit records of more than five years will not be reflected. So overdue five years ago does not affect the loan application. ?
If it is overdue within 4.5 years, the lending institution will review the overdue situation. Usually, the loan will be refused if it is overdue for more than 6 times or more than 3 times in a row (different banks have different standards). If the credit card is overdue only once and there is no overdue at present, it usually has little impact on the loan.
China guangfa bank-credit card interest rate