A Bank of Communications credit card is considered overdue if it exceeds the repayment date by 3 days.

The overdue time regulations for Bank of Communications credit cards are as follows:

1. The credit card time-limited service can be overdue for 3 days.

After the credit card repayment date, cardholders can enjoy a 3-day repayment extension service. As long as the cardholder pays the minimum payment amount before midnight on the third day after the due payment date, it will not be considered overdue. In other words, as long as the credit card is overdue within 3 days of the repayment date, it is safe. If the credit card is overdue for more than 3 days, a credit report will be filed, which will affect your personal credit record.

2. Credit card overdue records will be reported once a month.

Banks will regularly report credit card usage records to the People's Bank of China every month, thus forming a credit record for cardholders. At present, banks report personal credit data once a month. Therefore, if your credit card is overdue and exceeds the 3-day buffer time, you must call the bank in time to communicate and strive to report your personal credit data to the bank. Negotiate and resolve before credit record.

Extended information:

New credit card rules: 3-day grace period for repayment, limited cancellation of full penalty interest.

The China Banking Association announced the revised "China Bank Card Industry Self-Discipline Convention" and the full penalty interest rate. This fuse that can easily cause tension between banks and credit card holders will be canceled soon.

Full penalty interest, which can easily cause tension between banks and credit card holders, will be eliminated soon.

Specifically, the Banking Association requires member units to provide "time-tolerant services" for cardholders: providing cardholders with a repayment grace period service for a certain period, and the repayment grace period will be repaid from the expiration date. At least 3 days from the payment date; when the cardholder repays the loan within the repayment grace period, it shall be regarded as the cardholder repaying the loan on time.

“Three days are natural days, not working days. In other words, Saturdays, Sundays and holidays are also within the grace period.” A person from the credit card department of a listed bank said , there is actually no such concept abroad. Domestic banks launch "long-time service" mainly for the convenience of cardholders.