1. Is Guangfa Credit Card overdue after 1 days?

One day overdue credit card of Guangfa Bank is not overdue, and its repayment grace period is 3 days. As long as the debt is paid off within the grace period of repayment, it is regarded as normal repayment. Guangfa Bank provides credit card holders with a grace period, which will have little effect within three days after the expiration. After the cardholder finds that it is overdue, he can pay off the arrears within three days after the final repayment date.

If Congo has a grace period, you can immediately call the customer service telephone number 95508 of Guangfa Bank Credit Card Center and switch to manual service. Explain the overdue period in good faith in time and pay off the arrears, which can generally be remedied without affecting personal credit information. If you have received the credit report, you can apply for a non-malicious overdue certificate.

Two. Why is Guangfa Credit Card fined 1 days later?

When the grace period ends and it is officially overdue for one day, the bank will charge liquidated damages and interest. The penalty is 5% of the minimum repayment amount, and the interest is the total amount of your current bill. It is calculated at the daily interest rate of 0.5 ‰ on the day of swiping the card until you repay it, instead of just charging 1 day overdue interest. The bank will count all the previous interest-free periods as interest.

So sometimes it is normal that the amount of interest and liquidated damages is relatively high. Repayment on time will not produce bad records, nor will it produce overdue interest. If you can't repay for some reason, you can temporarily choose the minimum repayment amount, which is not overdue, but the unpaid part still has interest.

Three. Guangfa Credit Card Overdue Negotiation Repayment Process

First of all, you can contact the service phone number of the issuing bank, or go to the offline business outlets of the bank to find a staff member to explain that you are temporarily unable to repay. Then provide the bank with ID card, bank card, deferred repayment application, proof of temporary inability to repay and other materials, waiting for review.

When negotiating, it is best to state your current income, show a positive willingness to repay, and negotiate with the bank about the specific repayment period and the repayment amount of each installment. This sincerity is in place, and banks are easier to talk about. If it is overdue due to major illness, major family changes and other reasons. You can apply to stop paying.

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