① Offline use: In supermarkets, shopping malls, department stores and other places, you can pay by credit card by swiping your card on the POS machine of the store.

② Online consumption: Customers can bind their credit cards to the third-party formal payment platform, and they can choose to spend by swiping their cards when shopping online. It should be noted that this method is only effective for shops that have already opened credit card payment.

After credit card consumption, if you can pay off in full and on time within the prescribed repayment period, you can generally enjoy interest-free treatment and will not generate interest; If the bill is not paid in full, it will generate cyclic interest. Its repayment method can be repaid on a regular third-party platform; Credit card can be repaid by inserting it into ATM; Repayment in Bank official website and Mobile Banking APP. You can associate a savings card and set the automatic repayment function.

Will credit card repayment be overdue for one day affect credit reporting?

Whether the overdue payment of a credit card for one day will affect the credit information depends mainly on whether the issuing bank provides a grace period for repayment. If the issuing bank does not provide a grace period, if the repayment is overdue for one day, it will be reported to the bank for credit investigation, leaving a bad credit record in the credit investigation report; If the issuing bank provides a grace period for repayment, and the length of the grace period for repayment exceeds one day, then the customer's overdue repayment by one day is not overdue, and it will not have any adverse impact on the credit investigation.