Sometimes we forget to pay back or have no money on the repayment date. At this time, many card friends are thinking that if there is a delay in repayment, the bank can give a few days' grace, and they can definitely pay it back. I love Karnet. Bian Xiao answered your question. Can Shanghai Pudong Development Bank credit card apply for deferred repayment?

At present, all major banks have time service, with the aim of giving these cardholders with difficulties in repayment and bad memory a three-day grace period. As long as the repayment is made within the grace period, it will not be considered as overdue repayment of the credit card.

If you can't repay all your debts or have no money for the time being, banks usually have a grace period of at least 3 days. As long as you pay back the money within 3 days, there will be no interest and penalty interest.

If you still can't repay the loan in a short time, you can try the following methods:

1. Minimum repayment amount.

Every bill will indicate the minimum monthly repayment amount, as long as it is repaid according to this amount. However, the minimum repayment amount does not enjoy interest-free discount, and the daily interest is charged at five ten thousandths.

2. Choose installment repayment.

There are two main types of installment repayment: one is to apply for shopping installment when buying things; One is that when you can't pay the bill in full, you can apply for bill installment, that is, you can pay the bill in several installments. You can apply for installment by telephone or personal online banking.