If the user accidentally gets the wrong credit card's final repayment date, it is recommended to make the repayment as soon as possible. Currently, most banks provide cardholders with about 3 days of repayment. Within the time limit, as long as the cardholder is still within the repayment grace period, the cardholder has a chance to remedy the situation. If the bank provides a 3-day repayment grace period, the cardholder only needs to pay off the debt within 3 days after the repayment date, and the bank will still The cardholder will be deemed to have made the payment on time.

If the user exceeds the repayment grace period and has not repaid, the bank will regard the credit card user as overdue, and will calculate interest charges from the date of credit card consumption, and will upload the user's overdue record to the central bank If this is the case, it is recommended that the cardholder repay the loan in time, because the longer the overdue period is, the more interest charges will be incurred.

In addition, users need to continue to use the credit card after repayment and maintain a good repayment record, because the credit card usage record can only reflect the status of the last two years on the personal credit report. Previous overdue records can be overwritten with good credit card usage records.