1. China Convention on Self-discipline of Bank Card Industry, which stipulates that if the overdue period is less than 3 days and the repayment difference is less than 10 yuan, no penalty interest will be charged. According to the usual practice, banks provide time-sensitive services to cardholders, remind them of repayment by SMS or email at least three days before the due repayment date, and provide a repayment period of at least three days.

2. That is to say, if the cardholder repays within 3 days after the stipulated repayment date, the bank shall regard it as full repayment in the same period, and no penalty interest is allowed. Note: 3 days refers to natural days, not working days.

3. The bank also provides tolerance service for cardholders, that is, the cardholder's current repayment is insufficient, and the unpaid amount is less than or equal to a certain amount (at least equivalent to RMB 10 yuan), which shall be regarded as the cardholder's full repayment.

4. After the credit card is in arrears, if the bank urges the cardholder not to repay, the bank will transfer the debtor's relevant materials to the Legal Department and urge it to be repaid through legal channels, but how long it takes depends on the bank.