You should call the customer service phone of the issuing bank in time to apply for the "time-keeping" service and explain the situation, and at the same time pay back the arrears, which should also be regarded as timely repayment, and will not be recorded in the personal credit information center as overdue.

"tolerance and time tolerance" is the collective name of "tolerance service" and "time tolerance service" of bank credit cards.

"tolerance service" means that if the cardholder fails to repay in full in the current period, and the unpaid part in the account is less than or equal to a certain amount (at least equivalent to RMB 1 yuan) after the due repayment date, it shall be regarded as the cardholder's full repayment, and this unpaid amount will be automatically transferred to the next bill.

"Time-sensitive service" means to provide cardholders with a repayment grace period of a certain period, with a repayment grace period of at least 3 days from the due repayment date; When the cardholder repays within the repayment grace period, it shall be deemed that the cardholder repays on time.

Extended information:

According to the China Bank Card Industry Self-discipline Convention:

Article 14 Member units should strive to improve the quality of credit card services and provide cardholders with humanized card use services. Advocate credit card issuers to establish "tolerance service and time tolerance service" for credit card repayment or give interest relief to the part of credit card overdraft that has been repaid during the interest-free repayment period:

(1) Member units should provide cardholders with "time tolerance service" and provide cardholders with a certain period of repayment grace period. The repayment grace period is at least 3 days from the due repayment date. When the cardholder repays within the repayment grace period, it shall be deemed that the cardholder repays on time.

(2) Member units provide "tolerance service" for cardholders. If the cardholder fails to repay in full in the current period, and the unpaid part in the account is less than or equal to a certain amount (at least equivalent to RMB 1 yuan) after the due repayment date, it shall be regarded as full repayment by the cardholder.

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