In order to protect the rights and interests of cardholders, according to industry regulations, many banks began to implement credit card repayment tolerance service from July 20 13 1 day.
"Tolerance service" means that under the normal credit card account status, if the current repayment amount is fully repaid to the minimum repayment amount, but there is still a certain difference between the current repayment amount and the bill payable amount (as stipulated by different banks), it will be regarded as full repayment in the current period, and the outstanding amount will be automatically transferred to the next bill.
"Time-limited service" refers to the timely repayment if the repayment is recorded on the due date of the current bill (including the grace period of a certain period) when the credit card account is in a normal state.
At present, ICBC and Guangfa Bank have no time to serve; The tolerance period of Agricultural Bank of China and Bank of Beijing (60 1 169) is 2 natural days; The time limit for CCB, China Merchants Bank, Bank of Communications, Xingye, CITIC, Minsheng, Everbright, Ping An, Huaxia, Shanghai Pudong Development Bank and Citigroup is 3 working days; China Bank's ordinary credit card has a shelf life of 3 natural days, and the platinum card has a shelf life of 9 natural days.
: 1, credit card repayment must be timely, and it is forbidden to "step on the spot" repayment. This is because it takes time for the bank to receive the account, and the time for repayment through third-party channels cannot be guaranteed. It is best to pay back the money 2-3 days in advance.
2. If you are worried about forgetting to repay, you can pay attention to the official WeChat of the issuing bank's credit card and collect bills and repayment reminders; You can also open Alipay's credit repayment reminder, or download and use the 360 credit card APP to facilitate bill management.
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