The credit card of Guangfa Bank is overdue for one day, but it can also be regarded as normal repayment as long as the arrears are paid off within the grace period of repayment. Guangfa Bank provides credit card holders with a repayment grace period of up to three days. After the cardholder finds that it is overdue, he only needs to pay off the arrears within three days after the final repayment date, and call the customer service phone number 9558 of Guangfa Bank Credit Card Center in time to transfer the manual service and explain in time that he is non-malicious overdue, so that his personal credit record will not be affected and it can be counted as normal repayment.

after 24 o'clock on the final repayment date, the credit card is overdue without repayment. According to the latest regulations, when the credit card repayment is overdue, the bank will mark "overdue repayment" in its own system, and at the same time, the calculated interest and late payment fee will start to be calculated. The late payment fee is 5% of the minimum repayment amount, and the interest is five ten thousandths per day from the day when the credit card is spent. You will see that the bank has received these two money in the bill next month; Then, three days later, the bank will check again. If it is found to be "overdue" and even the "minimum repayment amount" required on the bill has not been paid off, the credit card bank will report this "overdue repayment" to the People's Bank of China, forming "overdue repayment" in the Personal Credit Report.

Investment information:

1. Customers of China Guangfa Bank enjoy a repayment "grace period" of up to 3 days from the due repayment date of the credit card, and repayment within this period will still be regarded as repayment on schedule by the bank. However, repayment beyond the grace period of Guangfa Credit Card will be regarded as "overdue repayment". Therefore, if the credit card of Guangfa Bank is overdue for one day, it only needs to be repaid immediately within the grace period, and no overdue record will be left. If the cardholder needs to postpone repayment, he can call the customer service hotline of Guangfa Bank at 9558, and transfer to manual service to apply for postponement of repayment. Whether the application for postponement of consumption is passed or not, and the amount that can be postponed shall be subject to the comprehensive evaluation result of the bank.

2. The consumption extension of Guangfa Bank is only for cardholders' consumption transactions, and the transactions that cannot be applied for extension of consumption include: cash withdrawal transaction, installment payment transaction, installment re-entry transaction, deferred transaction, deferred re-entry transaction and various expenses (including but not limited to revolving credit interest, annual fee, overrun fee, late payment fee and other credit card fees); Non-general commodity consumption transactions, including but not limited to transfer transactions, investment transactions and hotel pre-authorization transactions; Dispute transaction; Foreign currency account transactions and funds that have been applied for foreign exchange purchase.