Time-tolerant repayment: Also known as grace period, it means that the bank provides you with a certain period of repayment grace period service. If you repay within the grace period, it is deemed that you repay on time. The time-sensitive repayment service provided by Minsheng Bank Credit Card Center is 3 days, that is, you repay before 17:00 on the third day after the final repayment date, which means that you have repaid on time. If you have foreign currency bills, please purchase foreign exchange in time within the grace period. If the minimum repayment amount of the previous bill is not paid off within the due repayment date (including a grace period of 3 days), liquidated damages and interest will be charged, which will affect the cardholder's personal credit. It is recommended to return the money to the credit card as soon as possible.

Prompt you:

Time-sensitive repayment will be automatically postponed without application. ※:

If repayment is made within the repayment grace period, it will be regarded as timely repayment, and no overdue record will be generated. ※.

If the repayment is not made on time, it is possible to charge interest and liquidated damages: Interest: If the cardholder fails to pay off all the current repayment amount on the current bill before the final repayment date, he will pay interest on the overdraft consumption transaction.

If the full amount of the current bill is paid off before the next bill is issued, the interest will be calculated from the billing date of overdraft consumption to the day before the payment is paid off; If the bill is not paid off in the previous and next periods, the next period will show the interest from the overdraft consumption billing date to the current billing date. The interest standard is five ten thousandths/day.

Liquidated damages: if the cardholder fails to pay the minimum repayment amount of the current bill before the final repayment date, he shall pay liquidated damages in addition to overdraft consumer interest. The penalty is 5% of the unpaid minimum amount, and the minimum amount is RMB/KOOC-0/0 yuan/USD/KOOC-0/Yuan/Euro/KOOC-0/Yuan/AUD/KOOC-0/Yuan/CAD/KOOC-0/50 yuan.