Credit cards have a grace period and each period also has a minimum repayment amount.

Repayments within the grace period will not be included in the bad credit record.

1. Credit cards generally have a three-day grace period after the repayment date. Repayment within the grace period is deemed to be repayment on time;

1. If the payment is paid in full, no credit will be incurred. Any fees;

2. If the minimum repayment amount is paid, the daily interest will be calculated at 0.05; 3. If the repayment amount is less than the minimum repayment amount stipulated by the bank, it will be considered overdue, and the daily interest will be calculated at 0.05 , In addition, there are late payment fees. Credit card late payment fees are generally 5% of the unpaid portion of the minimum repayment, calculated and charged monthly.

2. If the repayment exceeds the grace period, it will be considered overdue: the interest will be 0.05, and the interest will be calculated from the date of consumption, and there will also be a late fee.

3. For specific information, please consult customer service

The credit card grace period refers to the cardholder’s repayment within a period of time after the due payment date. It can be reduced or reduced by applying to the credit card center Corresponding interest and late fees are not recorded as a bad credit record by the bank. This period of time becomes the credit card grace period.

According to bank regulations, once the cardholder fails to repay the corresponding amount after the final repayment period, the cardholder needs to pay corresponding interest and late fees, and may be entered into a bad credit record by the bank. However, in the actual operation process, there are many non-subjective reasons that are beyond our control, such as: customers who are automatically bound for repayment fail to repay successfully due to bank system failures, and use other repayment methods to repay but the final repayment date is The repayment amount has not yet been recorded in the account... These non-subjective reasons have already extended the credit card grace period.

After the above situation occurs, the cardholder can call the Credit Card Center to explain the situation, and the Customer Service Specialist of the Credit Card Center will reduce or reduce the relevant fees for you based on the actual situation.