Is repayment on the final payment date considered overdue? The answer is not overdue. The credit card repayment date is also called the due payment date and the final repayment date. As long as the payment is made on the repayment date, it is considered a normal repayment. However, due to the time error in the bank's post-repayment processing, if the payment is made on the same day, the payment may not be credited, resulting in overdue payment.
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The bank determines whether a credit card is overdue based on the actual arrival time, not the cardholder's repayment time. Some banks have extension service for credit card repayment, usually for 3 days. Some banks do not have extension service. The funds will arrive one day after the repayment date, which is one day overdue. If the automatic repayment transfer time is missed, the user should not try to deposit money into the account again, but should go to the counter or ATM machine for repayment.
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If the user is short of time or is not convenient to go to the counter to repay the loan, he or she can do the following 2 things; 1. Use savings The card is bound to a credit card, and the savings card will be automatically repaid to the credit card. 2. Repay through Alipay or online banking or bind a credit card for repayment via WeChat.
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If the user is short of funds and cannot repay in full, he can repay in installments or set automatic repayment to the minimum Repayment, as long as the minimum repayment is met, will not affect your credit record and there will be no late payment penalties.
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If you do not repay the full amount before the due payment date and do not choose the minimum repayment amount, then you may The penalties faced are: 1. All consumption payments will no longer enjoy the interest-free repayment treatment; 2. Receive reminder calls and reminder information from the bank; 3. Freeze the account and feed back the debt record to the People's Bank of China to be recorded in the credit file. , affecting personal credit;
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The above is the explanation of whether repayment on the last payment date is considered overdue. I hope it will be helpful to everyone. help.