Huaxia bank credit card customers can enjoy a three-day grace period, but they must repay before 9: 00 pm on the third day in order to arrive on time. Therefore, it is suggested that they still go to the ATM or the bank counter to repay the money. Both methods are real-time repayment. Huaxia Bank provides cardholders with a three-day repayment grace period service, that is, time tolerance service. 1. If the cardholder repays within the repayment grace period, it shall be deemed as timely repayment. 2. If the cardholder repays in full in the current period, and the unpaid amount in the account is less than or equal to 65,438+00 yuan after the due repayment date, it is deemed that the cardholder has repaid in full, and the unpaid amount will be automatically transferred to the next bill. 3. If the unpaid amount is less than 10 yuan and the repayment is successful within 3 days after the due repayment date, there will be no late payment fee and overdue. If repayment cannot be made after the grace period for repayment, interest and late payment fee 1 will be charged, and interest will be charged at 0.5 ‰ per day from the date of swiping the card, with compound interest on a monthly basis. 2. If you can't pay off the minimum repayment amount, you need to pay a late fee, which is 5% of the unpaid part of the minimum repayment amount and 5% of the unpaid part of the minimum repayment amount, with a maximum of 2,000 yuan or 250 dollars. In addition to paying interest and late fees, overdue credit cards will also be recorded in the cardholder's personal credit record, which will affect the cardholder's application for credit card and bank loan business in the future. Those who maliciously overdraw and fail to repay shall also bear relevant legal responsibilities. Therefore, borrowers need to repay on time.