If the arrears are paid off within the grace period, no other interest will be generated, which is not overdue. If the loan has not been paid off and the minimum repayment amount has not been paid off before the fourth day of the grace period 17:00, it will be regarded as overdue. Overdue will not only upload overdue records to the credit information system, but also pay late fees and overdue interest. The collection standard of late payment fee is 5% of the unpaid part of the minimum repayment amount, and the overdue interest is calculated at the daily interest rate of 0.05% until the cardholder pays off the debt.
How to repay the postal credit card?
You can repay through ATM, third-party repayment, automatic repayment and mobile banking.
①ATM repayment: put the credit card into the ATM self-service teller machine and deposit the cash into the credit card to complete the credit card repayment.
② Third-party repayment: Third-party payment platforms such as Alipay and China UnionPay Express can be opened, and repayment can be made after personal credit card account is bound.
③ Automatic repayment: bind the debit card account of Postal Savings Bank and enable automatic repayment. As long as there is enough balance in the account, the system will automatically repay it on the repayment date.
④ Repayment by mobile banking: Log in to the mobile banking of Postal Savings Bank and enter the repayment amount and password according to the prompts, and the repayment will be successful.