Judging from the time tolerance regulations of major banks, most banks' credit cards are not overdue as long as they are returned three days late. If the credit card repayment date is only one or two days late, it is not necessarily overdue. Many banks provide "time-tolerant" service for credit card repayment, that is, a few days late is not overdue.
Although three days are allowed, each bank has different regulations on the specific deadline.
Among them, before 7: 00 a.m. on the third day after the repayment date, CCB will repay the loan in real time, which is not overdue and does not charge extra fees; It is not overdue for China Merchants Bank to repay before 24:00 on the third day after the repayment date; Bank of Communications shall repay before 2 1:00 on the third day after the repayment date, which is not overdue, and ATM self-service equipment shall repay before 18:00; The repayment of CITIC Bank and Shanghai Pudong Development Bank is not overdue before 20:00 on the third day after the repayment date; Huaxia Bank repays the loan before 19:00 on the third day after the repayment date, which is not overdue.
It should be noted that what we are saying is that most banks' credit cards give a three-day tolerance, but it does not mean that all banks' credit cards give a three-day tolerance.
Take ICBC as an example, some credit cards give away three-day capacity, including Chejia Card, China Resources Co-branded Card, World Struggle Card, Zodiac Credit Card, Cosmic Constellation Card, Military Soul Card, Teacher Card and Puppet Card. However, some credit cards have no time limit, including ICBC Baby Growth Card, China Travel Service Card, Flash Cool Card, Baby Card and Chimelong Co-branded Credit Card.
For a credit card with no time limit, even if your repayment is one day late or even 1 second late, it is overdue. Holders of these credit cards will have a long snack and must pay back on time. It is best to use the savings card of the same bank for automatic repayment, and ensure that the account has sufficient balance on the repayment date.
When you use a credit card, you'd better know what the repayment rules of this bank are in advance, and don't wait until there is an overdue record and happen to regret it for a few days.