The credit card transfer arrival time has the following situations:

Quick arrival: Generally, the transfer will arrive in real time, no more than two hours at the latest.

Inter-bank transfer: It usually takes one to three working days to arrive.

Transfers on non-working days: Transfers made on Friday night will arrive at the earliest on the following Monday and on Wednesday at the latest (delayed in case of holidays).

Transfer on working days: Transfers before 3 pm during the day from Monday to Friday can generally be credited to your account on the same day.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume and repay within the credit limit; quasi-credit cards refer to The cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the credit card can be overdrawn within the specified credit limit.

Does an overdue credit card have an impact on the mortgage loan?

It will naturally have an impact on home loans, because once a credit card repayment is overdue, the card issuer will inevitably report the overdue situation to the central bank, which will leave a bad record on the cardholder's credit report, causing damage to his or her personal credit. damage. Banks handle mortgages. When the mortgage is approved, the bank will review the credit. Once a record of overdue bad information is found, the bank will naturally be worried about the lending risk due to credit problems and refuse to approve the loan.