1. What does credit card delay repayment mean?

each credit card has a billing date and a repayment date. if a bill is issued on the billing date, the minimum repayment amount must be paid before the repayment date ends, so as not to be overdue. If the issuing bank provides a grace period for repayment, the repayment must be made within the grace period at the latest. However, if the cardholder fails to repay on time on the repayment date for some reason, he can apply to the bank for an extension of repayment and postpone the repayment of the current bill, but this extension of repayment does not mean a grace period repayment. But in general, credit cards do not have the function of deferred repayment.

second, how many days can the credit card postpone repayment?

it depends on how the issuing bank stipulates, and each bank may give different deferred repayment time.

According to friends who have already extended their credit cards, most banks only give one month's deferred repayment time at most, that is to say, after this month's bill is postponed, two months of credit card arrears will be repaid in one lump sum on the repayment date of next month, so the repayment pressure is still relatively high.

III. Can CCB's credit card postpone repayment for a few days?

Credit cards generally have a grace period of three days after the repayment date, and repayment within the grace period is regarded as timely repayment. At this time, the following situations will occur;

1. If it is paid off in full, no expenses will be incurred;

2. If the repayment amount is less than the minimum repayment specified by the bank, it will be deemed overdue, with interest of .5%, and a late fee of 5% of the unpaid part of the minimum repayment amount will be charged;

3. If the repayment amount is greater than or equal to the minimum repayment, and less than the full repayment, interest shall be paid at .5%;

in addition, if the repayment is beyond the grace period, it will be deemed overdue: the interest will be .5%, and there will be a late fee.

Extended information:

Intra-bank repayment

The repayment methods mainly include: the counter of the issuing bank, ATM, online banking, automatic transfer and telephone banking repayment. After repayment, the credit card limit will be restored immediately, and the money will generally be recorded after being processed by the system on the same day.

mobile phone repayment

the mobile phone is a personal payment terminal in the mobile financial system, which can be used for direct credit card repayment and transfer. Immediate arrival!

convenience store repayment

convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it takes 2~3 working days to arrive at the account, and no handling fee is charged for repayment in this way.

Online repayment

The common online repayment methods in China are Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay and Yifubao. Different platforms and banks are selected, and the charging standards and specific payment arrival time are different.