The grace period of most bank credit cards is 1-3 days, and different banks' credit cards have different grace period regulations.

1. The repayment grace period for credit cards such as Bank of China regular cards, gold cards and titanium cards is 3 days, and the repayment grace period for platinum and above credit cards is 8 days.

2. Industrial and Commercial Bank of China, China Merchants Bank, Hua Xia Bank, Bank of Communications, Ping An Bank, Industrial Bank, CITIC Bank, China Minsheng Bank, Postal Savings Bank, Shanghai Pudong Development Bank, Bank of Beijing, China Everbright Bank, Bank of Shanghai and other banks The credit card repayment grace period is 3 days.

3. The grace period for CCB credit card repayment is generally 5 days.

4. The grace period for Agricultural Bank of China credit cards is 2 days.

5. The grace period for Guangfa Bank credit cards is 1 day.

The credit card grace period refers to the deadline for credit card repayment. If the user makes repayment within the grace period, it is considered a normal repayment and will not be considered overdue.

If the repayment has not been repaid after the repayment grace period, it is an overdue act, which will have a negative impact on the user's personal credit report. At the same time, overdue penalties will be calculated on the bill amount starting from the day the account is entered. interest.

You can get the online loan big data report from the "Public Credit Check", which contains information such as online loan history, online loan overdue details, debt status, dishonesty information, and online loan blacklist.

Extended information:

Will I see credit card records when checking the loan limit?

If the user checks the loan limit and needs to authorize the credit check, then when authorizing the financial institution to check the personal credit report, the financial institution will check the user's credit card record.

However, checking the loan limit does not require authorization to check the credit report, and the financial institution cannot know the user's credit card record.

Credit card records and loan records will be saved in the personal credit report, and this record will not be deleted.

For loans that require authorization to check the credit limit in order to obtain the credit limit, it is not advisable to check the limit frequently for this kind of loan. Frequent credit limit checks will ruin the personal credit report.