According to the China bank card industry self-discipline convention:

Article 14 Member units should strive to improve the service quality of credit cards, provide humanized services for cardholders, and advocate card issuers to establish "tolerance service and time-sensitive service" for credit card repayment or to give interest relief to the repaid part of credit card overdraft during the interest-free repayment period:

(1) Member units shall provide cardholders with "time-tolerance service" and provide them with repayment grace period service for a certain period of time. The repayment grace period is at least 3 days from the due repayment date. If the cardholder repays within the repayment grace period, it is 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 after the due repayment date is less than or equal to a certain amount (at least equivalent to RMB 10 yuan), it is deemed that the cardholder has repaid in full.

Extended data:

According to the Notice on Issuing the Measures for the Administration of Credit Card Business:

Article 18 The longest overdraft period of a credit card is 60 days.

Article 19 Credit card overdraft interest shall be charged at the rate of five ten thousandths of daily interest within 15 days from the date of signing the contract or the date of bank bookkeeping, and at the rate of five ten thousandths of daily interest after 15 days.

If it exceeds 30 days or the overdraft amount exceeds the prescribed limit, it shall be calculated at the daily interest rate of 15/10000. The overdraft interest is not divided into sections, and the interest is calculated according to the highest interest rate grade or the highest overdraft amount.

Article 60 Where a cardholder overdraws with his unit card, his unit shall be responsible for repaying the overdraft amount and paying overdraft interest. The cardholder overdraws with the supplementary card of the personal card.

The main cardholder is responsible for repaying the overdraft amount and paying overdraft interest; If the cardholder of the main card loses the repayment ability, the cardholder of its subsidiary card shall be responsible for repaying the overdraft amount and paying the overdraft interest.

Article 61 Disputes between cardholders and special units shall be settled by both parties themselves. Cardholders shall not refuse to repay the debts arising from the use of credit cards on the grounds of disputes.

Article 62 The cardholder must keep and use the credit card properly, otherwise the economic losses caused by it shall be borne by the cardholder himself.

Article 63 The relevant responsible person shall bear the responsibility for the losses caused by the fraudulent use of the cardholder after reporting the loss.

Baidu Encyclopedia-China Bank Card Industry Self-discipline Convention