1. In terms of "time-saving" services, the grace period for repayment provided by China Merchants, China Everbright, Ping An, CITIC, Shanghai Pudong Development Bank, Xingye and Huaxia Bank is 3 days, and that of Agricultural Bank of China, China Construction Bank and Bank of Beijing is 2 days. The grace period of China Bank varies from 3 days to 9 days according to different card types, 3 days for ordinary and gold card customers and 9 days for platinum card customers.
It should be noted that some banks' "time-tolerant" services require cardholders to call the credit card center of the opening bank in advance to apply for delay, such as CCB, CITIC and China Everbright. , otherwise it is still overdue. In addition, all the time allowed by the bank is a natural day, not a working day, which means Saturday and Sunday are included. Delayed repayment period ranges from 2 days to 9 days, and some need to apply voluntarily.
2. In terms of "tolerance" services, the credit card liabilities of most banks such as China Merchants Bank, Bank of Communications, Huaxia Bank, Shanghai Pudong Development Bank and Xingye are no more than 10 yuan RMB or 1 US dollar, and the credit card liabilities of CITIC and Ping An are 10 yuan RMB or less; Agricultural Bank of China stipulates that it shall not exceed 10% of the current bill amount, ordinary cards shall not exceed 100 yuan, and gold and platinum cards shall not exceed 200 yuan; The standard of China Bank is not to exceed 65,438+0% or 65,438+00 yuan of the current arrears; According to the regulations of China Everbright Bank, the credit card arrears shall not exceed RMB 100 or USD 20 equivalent in foreign currency; Shanghai Bank shall not exceed 30 yuan RMB or equivalent foreign currency.
There is no uniform grace period for repayment of credit cards in China Bank, and the grace periods for repayment of different grades and types of credit cards are also different. The grace period for repayment of titanium, gold and ordinary credit cards is 3 days, that for credit cards with platinum and above is 8 days, and that for business cards is 2 days. If the cardholder repays before 20:00 pm on the last day of the grace period, it will be deemed as timely repayment.
Generally, gold cards and ordinary cards have a grace period of 2 days, and platinum cards have a grace period of 8 days. Repayment before 20: 00 on the last day of grace period at the latest is regarded as normal repayment. Some special cards do not enjoy grace period service. Whether to generate overdue records is subject to the latest bill. The above contents are for your reference. Please refer to the actual business regulations.