In 20 13, China Banking Association published a convention requiring banks to provide time-keeping services for cardholders, which provided cardholders with a certain period of repayment grace period after repayment. Most bank credit card customers will give a certain period of grace period for repayment date, but the grace period of each bank is different. Some banks will take the initiative to extend your stay for a few days, while others need you to call yourself to apply. Today, Bian Xiao will tell you, how long is the grace period for repayment for users who have applied for CITIC Bank credit cards?

CITIC Bank grace period?

CITIC Bank gives credit card users a 3-day grace period every month, and they can repay in real time before 8: 00 pm on the third day after the repayment date, but they need to call themselves to apply; If it is overdue after the grace period, the credit will not be issued immediately, and you still have a chance to pay off the previous arrears, or pay off the minimum repayment amount at 8 pm the day before the next billing date. Remember to communicate with the bank by telephone, be sincere and ask them to cancel your overdue loss report; Because if it is not malicious default on small loans, the bank will consider your overdue reasons as appropriate; However, you need to pay liquidated damages and interest due to overdue.

It is suggested that you use the savings card of the same bank as the bank card for automatic deduction of credit card repayment, so that the transfer will not be T+ 1, wasting a day's grace period. Every bank has different conditions for the grace period. Some banks need to call customer service to take the initiative to apply, some banks only have a grace period once a year, and some banks have some opportunities every six months. Moreover, some banks stipulate that accounts can only be counted within the specified time on the day of the grace period.

How long is the grace period for major banks?

Industrial and Commercial Bank of China has no grace period. The grace periods for ABC and BEA are two natural days, but the deadline for ABC is before 9 pm. Bank of China, China Construction Bank, Bank of Communications, China Merchants Bank, Ping An Bank, China CITIC Bank, Minsheng Bank, Industrial Bank, Huaxia Bank, Postal Savings Bank, Shanghai Pudong Development Bank, China Everbright Bank, Bank of Beijing, Bank of Shanghai and Citibank all gave three days, but the deadline was different. Agricultural Bank of China, Bank of Communications and China Everbright stipulate that before 9 pm, Bank of China, CITIC and Pudong will be before 8 pm. Guangfa Bank only gave 1 day, and the last time was limited to 10 in the afternoon.

Although there is a grace period for the bill date, I suggest that everyone form a good habit of paying back on time. If it is overdue, not only should you pay late fees and interest, but you should also find ways to prevent it from being overdue. It is better to repay the loan on time from the beginning.