1. Credit card grace period refers to a period of time after due repayment. After the cardholder applies to the credit card center, he can reduce the corresponding interest and late payment fee, and the bank will not record it in the bad credit record. This period of time has become a grace period for credit cards. According to the regulations of the bank, once the cardholder fails to return the corresponding money within the time limit, the cardholder needs to pay the corresponding interest and late fees, and may be recorded in the bad credit record by the bank. However, in the actual operation process, there are many uncontrollable non-subjective reasons. For example, non-subjective reasons, such as customers unable to repay due to banking system failure, using other repayment methods, but not recording the repayment amount on the last repayment date, have always been the reasons for the credit card grace period. After the above situation occurs, the cardholder can call the credit card center to explain, and the customer service expert of the credit card center will reduce the relevant fees for you according to the actual situation.
2. Credit card is a special carrier card for consumer credit issued by commercial banks to individuals and units for shopping, consumption and bank deposit and withdrawal. It is a form of card with name, expiration date, card number and cardholder's name printed on the front, and magnetic stripe and signature strip printed on the back. Real credit cards have the following characteristics: cash deposits are not encouraged, consumption is followed by repayment, interest-free repayment period can be enjoyed, and repayment can be made in installments (minimum repayment amount), and international credit card organizations such as visa and master are joined and used worldwide. Credit card is a non-cash payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, but pay back on the settlement date. Except that some credit cards are combined with financial cards, general credit cards are different from debit cards and payment cards. Credit cards do not directly debit the user's account.
3. Main features of credit card: ① Credit card is one of the fastest growing financial businesses. It is an electronic currency, which can replace the traditional cash flow to some extent; Credit card has both payment and credit functions. Cardholders can use credit cards to buy goods or enjoy services, and can also obtain certain loans from card issuers; Credit card is a high-tech product integrating financial business and computer technology. Credit card can reduce the use of cash and money; ⑤ Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security; ⑥ Credit card can simplify the collection procedures and save social labor; ⑦ Credit cards can promote commodity sales and stimulate social demand.