After a credit card is overdue, there are many consequences, such as affecting personal credit, accruing interest, being called for payment, or even being sued, etc. However, there is a time limit for overdue credit, and it does not mean repayment. After the date, it is overdue, and sometimes it is okay to be overdue. So how long can a credit card be overdue?

It’s okay to be overdue for three days, because bank cards issued by major banks have a three-day repayment grace period. If you pay off the bill within this three-day repayment grace period, it will not be considered overdue, and naturally it will not be overdue. What consequences and impacts will there be. For example, if your credit card payment date is the 12th, then it will be fine if the payment is successful before 24:00 on the 15th.

There is no need to apply for the 3-day grace period for credit card repayment. Overdue repayment for more than three days will incur liquidated damages and interest, and will affect personal credit and subsequent loan applications. It is recommended to repay the money to the credit card as soon as possible. . To repay a credit card through transfer from another bank, it is recommended to handle it 1-2 days in advance and pay attention to the timeliness of the payment. There are no fees for full repayments, and interest charges will be incurred for minimum repayments.

If you encounter a problem and have no money to repay for a while, it is recommended to negotiate with the bank in advance, express your difficulty, express your willingness to repay, apply for installment repayment or minimum repayment, or even You can also apply for interest suspension or personalized repayment. In short, if your credit card is overdue, you should find a way to solve it instead of just avoiding it.