1, short-term overdue immediate repayment will be regarded as daily repayment.

At present, most banks will send text messages to remind cardholders on the first day of overdue credit cards. Generally, banks will give them a two-day grace period. As long as they repay within 2 days, they can be regarded as timely repayment. At this time, it is better for cardholders to use safer repayment methods, such as counters or peer ATM machines, to ensure real-time payment and avoid the occurrence of overdue repayment of credit cards again.

For cardholders who transfer money through inter-bank online banking, it is necessary to fully consider the time that may be required for inter-bank transfer. For example, if the inter-bank transfer takes more than 2 working days, it is still recommended to use real-time payment. If the cardholder can only transfer money from other places through online banking, he should first call the credit card center to explain the situation, and then send a screenshot of the inter-bank transfer on the same day to the center.

Applying for a credit card with balance interest can reduce the loss.

At present, most banks in China use the method of full interest, and the cardholder has to pay interest on the repayment part, that is, as long as one point is not repaid, the current repayment will pay interest in full. The interest rate of balance interest is calculated based on the remaining part after partial repayment, so that even if the credit card is overdue, it can reduce its own losses.

3. Third-party intermediary websites should choose regular websites for repayment.

At present, some websites (such as Tenpay, Lacarra, etc. ) Provide third-party intermediary services for credit card holders, that is, avoid overdue repayment of credit cards, and realize cross-bank and cross-regional repayment online through this intermediary without charging handling fees. When using intermediary websites for repayment, you must choose a regular website and carefully check the billing information to ensure the authenticity of each consumption. It should be noted that when using the third-party intermediary website for repayment, you must pay attention to whether the account date is within the repayment period, otherwise it will easily cause losses.