Credit cards need to be repaid after use. I wonder if there is anyone like me who suffers from procrastination and will not repay until the final repayment date. However, repayment on the last repayment date is harmful, and sometimes repayment may be forgotten or the repayment funds are not received in real time, which leads to overdue. ?

so what should we do if we forget to repay the credit card after the repayment date? In fact, as long as the money is returned immediately, banks usually provide credit cards automatically? Rongshi? The service, that is, the grace period for repayment, is generally 3 days. If the money is returned within these 3 days, the bank will regard it as normal repayment, which is not overdue, and there will be no overdue record in your credit investigation.

How many days is the grace period for repayment of major banks? Let's take a look:

1. China Construction Bank: The grace period for repayment lasts until the third day after the repayment date, and the repayment is counted as normal repayment before 7: am on the third day;

2. ICBC: the grace period for repayment is 3 days, and repayment within 3 days after the repayment date is regarded as normal repayment; (Many people say that ICBC's credit cards have no grace period, which is inaccurate. Some of ICBC's credit cards have time service, such as Struggle Card, Cosmic Constellation Card, Minions Card and Zodiac Card);

3. Agricultural Bank: The grace period for repayment is 2 days, and repayment within 2 days after the repayment date is regarded as normal repayment;

4. Bank of Communications: The grace period for repayment is 3 days, and the repayment will be counted as normal if it is received before 21: pm on the third day after the repayment date;

5. Ping An Bank: The grace period for repayment is 3 days, and repayment within 3 days after the repayment date is considered as normal repayment;

6. China Merchants Bank: The grace period for repayment is 3 days, and repayment within 3 days after the repayment date is considered as normal repayment;

7. China CITIC Bank: The grace period for repayment is 3 days, and the repayment received before 2: pm on the third day after the repayment date is regarded as normal repayment;

8. Bank of China: The grace period for general credit cards and gold cards is 3 days, and the grace period for platinum cards is 9 days. Repayment before 2: pm on the last day of the grace period is considered as normal repayment;

9. Shanghai Pudong Development Bank: The grace period for repayment is 3 days.

it is suggested that if you fail to repay the loan after the repayment date, you can repay the loan through bank online banking or mobile banking, so that you can receive the loan in real time. If you repay the loan through other third-party channels, the time of payment will be delayed, which may exceed the grace period.