After we use credit cards, we need to pay off our debts before the repayment date, and banks usually have a grace period for repayment. Different banks have different regulations. Let me take Zhongyuan Credit Card as an example.

how many days is the repayment date of Zhongyuan Credit Card?

the grace period of Zhongyuan bank credit card is three days.

repayment in full within the grace period will not result in overdue fees, and the cardholder's credit information will not be affected. In 222, many banks have time tolerance service. The "time tolerance service" means the grace period. The "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.

generally, users are required to repay the loan before 17: on the last day of grace period, so as to prevent the overdue repayment caused by unionpay. For example, the repayment date is the 17th of each month, and it should be paid before 17: pm on the 2th at the latest, otherwise it will affect personal credit information. If you really can't repay, you can choose the minimum repayment amount, or apply to the bank for bill installment, so that even if you can't repay in full, it won't have an overdue impact on the credit investigation.

Consequences of overdue credit card:

1. Freeze the credit card of CCB: If the credit card of CCB is overdue, the bank will decide that the cardholder has no repayment ability and freeze the credit card. At this time, it is necessary to contact the customer service of CCB, repay in full and unfreeze the credit card of CCB;

2. Impact on personal credit information: The overdue credit card of CCB will reduce the chances of successfully applying for a credit card again, which will have a serious impact on future car loan and mortgage application;

3. Collection of late payment fee and interest: If CCB's credit card is overdue, the bank will collect late payment fee, which is 5% of the unpaid minimum repayment amount, with interest of .5 ‰ per day and full penalty interest;

4. Blacklist: CCB's credit card is overdue for a long time and the amount is large, so the bank will blacklist you and you can't apply for CCB's credit card from now on.

that's all. I hope it will help you.