Agricultural Bank of China’s credit card will be subject to a credit investigation if it is overdue for more than 2 days. Overdue credit cards from the Agricultural Bank of China are very serious. Not only will your credit report be affected, but you will also be subject to collections and penalty interest. Therefore, Agricultural Bank of China credit card holders must repay on time to avoid overdue credit cards.

The Agricultural Bank of China credit card only has a 2-day grace period for repayment. If the Agricultural Bank of China credit card holder forgets to repay on the repayment date, he can still repay within 2 days after the repayment date. Repayment within these 2 days is considered normal repayment. If the repayment is not made after this time, then Even if it is overdue, the Agricultural Bank of China will calculate interest and report it to the credit report.

It should be noted that the repayment date of the Agricultural Bank of China credit card is 25 days after the statement date, and the interest-free repayment period is up to 56 days, so the Agricultural Bank of China credit card actually has 56 2 (grace period) = 58 days Interest-free repayment period, if you want to be interest-free, you still need to repay the card in full.

The adverse effects of overdue repayment by Agricultural Bank of China are as follows:

1. Late payment fees will be incurred. Usually 5% of the overdue amount. The so-called credit card late payment fee refers to the fee payable to the Agricultural Bank of China that issued the card according to regulations when the cardholder fails to repay before the due date or the repayment amount is less than the minimum repayment amount;

2. Overdue interest will accrue. The daily interest rate is 0.05%. After a user uses a credit card to overdraft, the longest interest-free repayment period is generally about 50 days. If the cardholder does not pay off all overdraft fees within the specified period, all the fees of the cardholder last month will no longer be charged. Enjoy the interest-free treatment of the Agricultural Bank of China, and the recurring daily interest rate is as high as 0.5%, that is, the annual interest rate reaches 18;

3. It may incur litigation costs. If the user does not repay after two months of overdraft, the Agricultural Bank of China will call the user to remind the user to repay;

4. If the user does not repay the loan, the Agricultural Bank of China will ask a lawyer to issue a lawyer's letter to the user. Malicious overdraft of a credit card and failure to return it after being called upon by the Agricultural Bank of China will constitute a crime of credit card fraud;

5. It will lead to a bad credit record. Overdue repayments on Agricultural Bank of China's credit cards will be recorded in the central bank's credit reporting system. At present, the basic database of personal credit information has been networked nationwide. As long as residents have handled loan business, applied for credit cards, or provided guarantees for others at Agricultural Bank of China, etc. If you do so, you can check your credit report at any domestic commercial agricultural bank.

For the time being, bad records can only affect personal loans, but as the credit reporting system improves, it may also affect cardholders' career choices and all aspects of life. Generally speaking, the validity range of bad records is 5 years, but this time is calculated from the date the cardholder pays off the outstanding balance.

Credit cards are considered overdue if they are paid beyond the repayment date. However, in order to protect the credit of customers, the central bank stipulates that banks have at least a 2-day grace period for repayment. That is to say, after the repayment date, the cardholder must repay the loan. You have two days to repay, and if you miss it, you will have an overdue record.

The bank’s overdue records cannot be modified. The bank will regularly upload customer repayment data to the credit reporting system. In the future, cardholders will need to adjust their financial services (card application, mortgage loan, car loan, commercial loan), etc. Get the cardholder’s credit history for reference.

Legal basis: Article 2 of the "Personal Housing Loan Management Measures" Personal housing loans (hereinafter referred to as loans) refer to loans issued by lenders to borrowers for the purchase of ordinary housing for self-use. When a lender issues a personal home loan, the borrower must provide a guarantee. If the borrower is unable to repay the principal and interest of the loan when due, the lender has the right to dispose of its mortgage or pledged property in accordance with the law, or the guarantor shall bear joint and several liability for the repayment of the principal and interest.