2. At present, for overdue behaviors caused by special reasons, banks have formulated corresponding "tolerance time difference" repayment regulations. If the credit card is short of a few dollars, or the repayment is accidentally delayed for a day or two, the bank will have a certain "tolerance" and will not report untrustworthy data immediately.
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1. Changsha Bank's credit cards include counter, ATM, online banking, automatic transfer and telephone banking repayment. Details are as follows:
1. Take your credit card, ID card and cash to the counter for repayment, go to the nearest Changsha Bank outlet, find the lobby manager, tell him that you want to handle the credit card repayment business, and follow his instructions.
2.ATM repayment Find the ATM machine of Changsha Bank near home, and deposit the money into Changsha Bank credit card like saving money, waiting for automatic deduction;
3. Online Banking Repayment Log in to the online banking of Changsha Bank with a computer, find the credit card repayment page, and make repayment according to the operating instructions;
4. Automatic transfer to the bank for credit card binding debit card business, and automatic transfer from credit card to repayment date;
5. Telephone Banking Repayment Call the credit card service hotline of Changsha Bank at 40067-965 1 1 and tell her that you want to make a credit card repayment. Just follow her instructions.
6. Go to the application store to download the Changsha Bank APP "e Qianzhuang", bind the Changsha Bank savings card, and conduct credit card repayment operation;
7. Other repayment channels Changsha Bank credit card holders can also make credit card repayment through third-party channels such as WeChat and Alipay.
Second, credit card overdue repayment will face the following consequences:
1, credit card late fee.
The so-called credit card late payment fee refers to the fee that the cardholder should pay to the issuing bank in accordance with the regulations when the repayment date is overdue or the repayment amount is lower than the minimum repayment amount.
2. Overdue interest.
After users overdraw with credit cards, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder's repayment is overdue, all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the circulating daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18%.
3. Bad credit record.
Credit card overdue repayment records will enter the central bank's credit information system to generate bad credit records. China's personal credit information records have been networked nationwide. As long as individual residents have handled loan business in banks, applied for credit cards, or provided guarantees for others, credit reports can be found in any domestic commercial bank.
4. Litigation costs.
If the credit card is not repaid for more than 3 months, the bank will ask a lawyer to send a lawyer's letter to the user and bring a lawsuit to the court, and the litigation expenses will be borne by the cardholder.
5. Criminal responsibility for malicious overdraft.
According to Article 196 of China's Criminal Law and relevant judicial interpretations, malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.
Whoever commits credit card fraud with malicious overdraft shall be investigated for criminal responsibility for the crime of credit card fraud, sentenced to fixed-term imprisonment of not more than five years or criminal detention, and fined not less than 20,000 yuan but not more than 200,000 yuan.