3 days, the credit card grace period is the extended interest-free repayment period treatment given by Agricultural Bank of China to customers who repay within 3 days including the due payment date. It is regarded as normal repayment and will not be recorded as overdue. For example, if the cardholder's repayment date is the 20th of each month, then the cardholder can successfully repay the card at 24:00 on the 23rd at the latest. If the payment is made after this time, the payment will be overdue and liquidated damages will be incurred.

The "late payment penalty" of the Agricultural Bank of China credit card refers to the fee paid to the card-issuing bank according to regulations if the credit card holder fails to repay the minimum repayment amount before the due repayment date (inclusive). If the cardholder fails to repay the minimum repayment amount listed on the statement on time, 5% of the outstanding portion of the minimum repayment amount (minimum 1 yuan / 1 US dollar / 1 euro / 1 Australian dollar / 1 pound / 10 days) will be charged. Yuan) to charge liquidated damages for overdue repayment. (Picture source: Agricultural Bank of China official)

Will Agricultural Bank of China file a credit report if its credit card is overdue?

According to the People’s Bank of China’s credit information reporting requirements, Agricultural Bank of China will report on your monthly credit card statement In the next 2 working days, the credit card transaction information will be reported to the People's Bank of China's personal credit reporting system. The specific reporting status will be subject to updates by the People's Bank of China's credit reporting system.

Can the Agricultural Bank of China credit card statement date be modified?

The credit card due date refers to the cardholder’s due date specified by the card issuer when he or she should repay the entire amount due or the minimum repayment. The last date. If you feel that your credit card repayment date is inappropriate, you can apply to modify the billing date to achieve the purpose of modifying the repayment.

In order to facilitate the repayment time of cardholders, Agricultural Bank of China has now launched the optional statement date service for credit cards. Most credit card products except automatic installment cards and consumption-specific cards do not support optional statement dates. All enjoy optional billing day service. If you need to modify the billing date, please call the Agricultural Bank of China credit card customer service hotline.

If your credit card is overdue, please repay it in time. After all, the longer the overdue period, the more interest. Paying off in time is to avoid incurring more interest. Furthermore, you can call the Agricultural Credit Card customer service hotline for enquiries. Overdue accounts.