1. Agricultural Bank: the grace period is 2 days, and repayment is required before 2 1 on the last day;
2. Industrial and Commercial Bank of China: the grace period is 3 days (only some credit cards have grace period), and the repayment needs to be made before 24 o'clock on the latest 1 day;
3. China Construction Bank: the grace period is 3 days, and the repayment is required before 7: 00 am on the last 1 day;
4. China Merchants Bank: The grace period is 3 days, and the repayment can be made before 24: 00/day.
Generally speaking, whether it is the four major banks or commercial banks, there is a saying that there is a grace period. If everyone repays within the grace period, even if it is a normal repayment, it will not be directly judged that you are overdue, but banks also have different views on the grace period. Most banks have a three-day grace period, but there are also banks that have no grace period, such as China Industrial and Commercial Bank.
The conditions of grace are different. For example, some banks only need to return it within the specified time, some need to call the bank's customer service phone to communicate, and some banks require to arrive before 23 o'clock, or before 6 o'clock in the afternoon.
Banks basically report the central bank's credit information once a month. If everyone can communicate with the bank before reporting, most of them will be fine. It should be noted that the relevant regulations may change at any time, and everyone should keep abreast of them.
If some banks repay after the grace period, as long as they handle it before the credit report, it may not affect the credit report, but they have to pay late fees and other money; Some banks will be judged to be in default as long as they exceed the grace period. Even if they are only 30 seconds late, their credit information will be recorded. What needs to be explained to you is that even if your credit information records that you are overdue this time, it will not necessarily affect loans such as mortgages and car loans. As long as some banks issue non-malicious arrears, they will make judgments according to the actual situation.
Generally speaking, the credit card of a rural commercial bank will have a three-day repayment grace period for the cardholder. If the cardholder repays in full or pays the minimum repayment amount within 3 days after the credit card repayment date, it is not overdue. If the cardholder repays on the fourth day after the credit card repayment date, it will be deemed as overdue repayment.
At this time, the rural commercial bank will charge overdue interest at a daily interest rate of five ten thousandths from the date of credit card consumption, which will also produce bad credit records. If you want to spend bad credit records, the cardholder should continue to use the card after paying off the arrears, and keep the repayment records, so that it can be eliminated after 5 years.