1. It is possible. When repaying the money on the same day, make sure that the funds have arrived; however, most credit cards have a repayment grace period, which is usually 3 days, that is, there are still 3 days after the repayment date. As long as you pay back the money within these 3 days, Repayment on time is not considered overdue.

2. Repayment on the credit card repayment date is not considered overdue, because credit card repayments are generally received immediately, as long as the repayment is made before 24:00 on the repayment date. For non-cash transactions with credit cards, the period from the bank accounting date to the due repayment date is the interest-free repayment period; the interest-free repayment period varies according to the regulations of each bank, and the shortest is from the statement date to the final repayment date. , the longest is from the day after the bill date to the last repayment date of the next month; if the bill date is the 1st and the last repayment date is the 20th, the shortest is 20 days and the longest is 50 days; during this period, you only need to pay all If you repay the amount due on the current period's statement, you don't have to pay any interest on the funds advanced to the store by the bank for non-cash transactions.

3. It should be noted that ICBC does not have a grace period for repayment. It should be noted that different repayment methods may have different arrival times, especially when using a third-party platform to repay. If the user has difficulty repaying the credit card on the repayment date, the user can use the installment repayment function or the minimum repayment. These two repayment functions can effectively reduce the repayment burden of the repayer, but they require the user to pay certain procedures. fee. When the user uses the minimum repayment amount, all the amount consumed by the user will not enjoy the interest-free period, and interest will be calculated from the date of consumption. Calculated based on the daily interest rate of 0.5%, overall the interest rate is still very high. Therefore, users must not exceed their affordability when swiping their cards to avoid being unable to repay on time.

4. When using the repayment grace period, users can call the bank to inquire whether they need to apply for a grace period. The account must be received before a certain time on the last day. Only in this way can it be ensured that there will be no overdue payment. The repayment date of a credit card is the final repayment date, which is usually around the 18th day after the bill date. Users need to pay off the bill before the repayment date. If the bill is not paid by the due date, the bank will consider you overdue and calculate overdue penalty interest, etc. Fees, and it will also be reported to the credit bureau, resulting in overdue records.