The maximum overdraft period of a credit card is 6 days.

credit card overdraft interest shall be calculated at the rate of five ten thousandths of daily interest within 15 days from the date of signing or the date of bank account entry (inclusive), and at the rate of ten thousandths of daily interest after 15 days, and at the rate of fifteen thousandths of daily interest after 3 days or when the overdraft amount exceeds the prescribed limit. The overdraft interest is not divided into sections, and the interest is calculated according to the highest interest rate grade of the deadline or the highest overdraft amount.

Take the spending of 5, yuan by credit card as an example. If the period from the billing date to the repayment date is 45 days, and the cardholder has paid back 4, yuan on the repayment date, the remaining 1, yuan has not been paid back on time. If you hold a card of China Construction Bank or China Merchants Bank, you need to pay interest at five ten thousandths per day based on 5, yuan, and you need to pay overdraft interest of 1,125 yuan within 45 days;

if you hold a credit card of ICBC, you only need to calculate overdraft interest for the unpaid RMB 1,, and the overdraft interest to be paid within 45 days is RMB 225, which is 5 times different. If the failure to repay on time is not because of the inability to repay, but because of the wrong memory, resulting in a small number of errors, the difference is even greater.

if the consumer overdraws in full and fails to repay the loan on time, it will incur overdraft interest and other expenses, which will lead to the amount of debt exceeding the limit. Because the overrun is caused by the cost of the credit card itself, some banks do not charge extra fees for this situation. For example, the credit card centers of CCB and China Merchants Bank now say that there is no provision for the overrun fee.

However, ICBC and CITIC Bank Credit Card Center said that if the amount owed exceeds the credit card limit, 5% of the overrun fee will be charged. However, ICBC said that it will only be charged once in an overrun period, while CITIC Bank said that the overrun fee will be compounded monthly.

if the cardholder uses the company card for overdraft, the company shall be responsible for the repayment of the overdraft amount and the payment of overdraft interest. If the cardholder overdraws by using the supplementary card of the personal card, the cardholder of the main card shall bear the responsibility of repaying the overdraft amount and paying the overdraft interest; If the cardholder of the main card loses the ability to repay, the cardholder of its subsidiary card shall bear the responsibility of repaying the overdraft amount and paying the overdraft interest. Extended information

Credit card online repayment is one of the main repayment methods of credit card repayment of bank, and online repayment has become a common repayment method for credit card users.

1. Payee's account name: fill in the name of the credit card holder.

2. payee's bank: fill in the "bank's credit card center".

3. Transfer to payee's account: fill in the 16-digit credit card number.

4. Remarks: Fill in "Credit Card Repayment".

5. Withdrawal password: fill in the card withdrawal password

6. After confirmation, the system will prompt whether the transfer was successful and the amount of the transfer.

7. Payment plan function Repayment acceptance currency: RMB

8. Cardholders can use the payment plan function to set the payment date in advance, and online banking will make one-time or monthly payments from the one-card transfer to the cardholder's credit card or other people's credit card designated by the cardholder according to the cardholder's requirements.

9. Accepted currency for repayment with the "credit card payment" function: USD, RMB

1. If the cardholder has opened version 4.5 or above of the "Personal Banking Professional Edition" on the one-card network and has handled the self-service transfer business between the one-card and the credit card, he can use the "credit card payment" function to transfer repayment from the cardholder's one-card account to his own credit card.

11. Popular version of personal online banking:

If the cardholder has opened a one-card account with the bank and handled a "self-transfer agreement" between the one-card account and the credit card, he can log on to the website of China Merchants Bank and use the popular version of personal online banking to transfer the repayment to the cardholder's credit card. Transfer money to restore the cardholder's credit card available limit in real time.

Reference: Credit card overdraft _ Baidu Encyclopedia