1. Can I apply for deferred repayment with a credit card?

1. Credit cards can postpone repayment, but generally the issuing bank has a grace period of several days. If the overdue time is short, it does not need to be handled separately. Paying back the money after the deadline has no effect. Exceeding the grace period will naturally affect personal credit information and leave a bad record.

2. If you want to apply for deferred repayment before and after the deadline, you can call the customer service of the issuing bank to explain your financial situation, the reason for deferred repayment and the time of deferred repayment. The bank will review the cardholder's specific situation and determine the specific extension days according to the materials provided.

2. Can I apply to suspend my credit card?

1. If the amount owed by the cardholder exceeds his repayment ability, but the cardholder is willing to repay, he can negotiate with the bank, apply for suspension of payment and sign a personalized installment repayment agreement, but the success of the application depends on the final decision of the bank.

2. If you want to apply for suspension of payment, you'd better do it before the deadline, and the probability of success after the deadline is not great. When you apply, you should give the bank a reasonable reason to explain why you can't repay the loan. The reason given should be recognized by the bank, and the bank may give it to you. Such as unemployment, serious illness or bankruptcy certificate.

Third, credit cards can be delayed for a few days without affecting credit.

1. The grace period for credit card repayment stipulated by most banks is about 3 days, and the extension within 3 days after the repayment date will not affect the credit. However, some banks have stricter requirements. For example, ICBC has no grace period at all. Other banks are more relaxed, and the repayment grace period is about 5 days.

2. For the specific grace period, please call the customer service center of the issuing bank for consultation. The grace period will not only change with different banks, but sometimes the same card-issuing bank will have different grace periods. For example, the Platinum Card of Bank of China has a 9-day grace period.

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication cases and make detailed and targeted answers for you, so as to avoid incorrect answers due to incomplete information and poor communication. I wish the rights protection success.