Credit cards have two important dates, one is the billing date and the other is the repayment date. The billing date is the billing date and the repayment date is the cardholder's repayment date. If the cardholder forgets the repayment date, will it be considered overdue if the repayment is delayed by one day? Take the structure of credit card as an example. Let's have a look.

Is it overdue to repay a credit card one day late?

No, there is a three-day grace period for getting a credit card. As long as the cardholder repays within the grace period, it will be considered as normal repayment and will not affect personal credit information.

1 Repayment without an agreed account: If the funds are deposited into the credit card account on the third day after the due repayment date 16:00, it will still be regarded as normal repayment.

2. Repayment in the agreed account has been set: the funds will be deposited into the agreed repayment account before 7:00 a.m. on the third day after the due repayment date, and the normal deduction will still be made.

In addition, CCB Credit Card also provides tolerance service, as follows:

1 When the cardholder repays the loan on time, but fails to repay the full amount, if the difference between the repayment amount and the total repayment amount is less than 10 yuan (USD 2, EUR 2), CCB will regard it as full repayment and still enjoy the interest-free repayment period of consumer funds;

2 When the cardholder repays the loan on time, but fails to fully repay the minimum repayment amount, if the difference between the repayment amount and the minimum repayment amount is less than 65,438+000 RMB (US$ 25, Euro20), CCB will regard the repayment as the minimum repayment amount, and will not charge the cardholder a penalty for repayment, nor will it generate a bad credit record.

The above are some contents of the credit card grace period construction, so you can pay attention to it.