ABC's credit card has a two-day grace period, and it is overdue if it is not repaid beyond the grace period. If the customer repays within two days after the repayment date, the Agricultural Bank of China will regard it as timely repayment, and there will be no penalty interest and late payment fee.

if the user's financial situation is difficult and he can't pay off the credit card debt on time temporarily, he can try to negotiate repayment, call the Credit Card Center of Agricultural Bank of China and explain to the bank that he wants to repay, but his repayment ability is limited. If the bank agrees to negotiate repayment, he can negotiate with the bank to make a new credit card repayment plan and return a small amount every month.

Generally speaking, banks will not easily agree to negotiate overdue repayment of credit cards. It is often easier to negotiate successfully under special circumstances, such as unemployment and illness, and it is best to provide relevant certificates. In addition, it should be reminded that once the ABC credit card is overdue, it will generate relevant penalty interest, which is calculated from the bank bookkeeping date, and the daily interest rate is five ten thousandths.

In addition to penalty interest and late payment fee, the overdue credit card of Agricultural Bank of China has the following consequences:

1. Bad credit record: The overdue repayment of the credit card of Agricultural Bank of China will be recorded in the credit information system of the central bank, and the bad record will be valid for five years, and the record will be eliminated after five years of repayment.

2. being sued: the agricultural bank will ask a lawyer to send a lawyer's letter to users. Malicious overdraft of credit cards will constitute the crime of credit card fraud if they are not returned after being collected by the Agricultural Bank of China. Banks will sue such customers.