For example, the automatic repayment of Bank of Communications is generally recorded on the day of deduction; ATM machine transfer repayment and debit card online banking transfer repayment generally arrive within 2 working days after repayment; Repayment from other banks will be received within 2 to 5 working days after transfer from the other bank; Third-party repayment (Alipay, Tenpay, etc. ) Arrive the next day after the latest repayment. In the case of China Merchants Bank, it usually takes 2 days to record the repayment (subject to the actual arrival time).
Customers are advised to pay back the money a few days before the repayment date, so as to avoid that the repayment time is too late on the repayment date, which leads to the failure to record the money in time and the overdue.
If you sign an automatic repayment agreement with the bank, you only need to ensure that the repayment bank card has sufficient funds and the account status is normal. On the repayment date, the bank system will automatically deduct the money, which will generally be recorded in real time. If the repayment cannot be made on time due to problems in the banking system, the customer can also contact the bank to make a complaint.
1. What if the credit card fails to pay the minimum repayment amount?
1. Use the delay service provided by the bank.
If it is overdue only occasionally, the funds will be repaid in a day or two. At this time, we should make full use of the bank's deferred repayment service. Every bank has one to three days' deferred repayment service, which is very important to us!
2. Find friends or family to provide capital turnover.
Find a friend or family member to turn around, first borrow some money and pay it back in full, and then pay back your friend's money and human feelings when you have sufficient capital turnover. Of course, this method can only be used occasionally.
3. Effectively change the accounting date.
If it is predicted in advance that the credit card may not be able to repay the money at that time, you can apply to the bank to change the billing statement before the bill comes out to extend the repayment period. For example, if the billing date is 10, and I find that I may not be able to repay the loan for some reason before the 5th, I can immediately call my credit card and apply to change the billing date to 2/3/4, so that I won't issue the bill this month.
After the application for changing the bill is successful, the bill will not be issued until 2/3/4 of next month, so our repayment will be delayed for one month. Of course, changing the billing date does not mean that it can be changed. Each bank has different regulations, and the specific rules can only be confirmed by consulting the bank.
4. Installment payment or minimum repayment amount.
If you really don't pay back the credit card, or if you really don't pay back the credit card in a short time, you can consider paying back by credit card installment or the minimum repayment amount. Both methods need to pay a certain amount of interest to the bank, so they are discouraged, but they can avoid the credit stain caused by overdue payment.
Second, the consequences of not returning the credit card.
1. Interest
As we all know, the interest rate of banks is very high. Just try to find out how high it is. You have to pay two fees before credit card repayment, one is late payment fee and the other is penalty interest. The late payment fee is usually 5% of the unpaid part of the minimum repayment amount, and the interest is five ten thousandths per day, and the interest is rolling.
blacklist
Too many overdue times or malicious refusal to repay will be blacklisted, and there is no hope of buying a car or buying a house loan in the future. Once blacklisted, it will affect your credit history, so your future cars, hotels and other aspects will have an impact.
3. Legal liability
Once the bank sues, you will still be investigated by law, so if you overdraw and don't repay, even if you run away or disappear, it won't help. If the credit card is maliciously overdrawn for more than 90 days, the bank can sue. Many bank credit card centers hand over the credit card repayment collection work to "debt collection companies", and the "debt collection companies" go directly to the cardholder's residence or even his hometown for collection.
For the case that the minimum repayment amount of the credit card has not arrived, we must find a way to turn over the credit card, which can be postponed or repaid in installments. However, it is best not to cause your credit stain because you haven't returned your credit card. If it causes personal credit problems, it will cause serious troubles to the identification of personal related situations, and it should be handled in strict accordance with the regulations.