If it's automatic, it's a three-day grace period. If it can't be repaid, call customer service first, and then make a minimum repayment, so as to avoid the occurrence of default and cause bad credit.

Credit card grace period refers to a period of time after the due repayment date. After applying to the credit card center, the cardholder can reduce the corresponding interest and late payment fees without being recorded in bad credit records by the bank. This period of time becomes a credit card grace period. According to the regulations of the bank, once the cardholder fails to return the corresponding amount after the final repayment period, the cardholder needs to pay the corresponding interest and late payment fee, and may be entered into a bad credit record by the bank. If the repayment is not made within the grace period, the credit card is really overdue, which will have serious consequences. First, it will have an impact on your credit record. Once you have a credit report, your bad record will be kept for five years. Second, once the credit card is overdue, you can't enjoy the interest-free period for subsequent repayment. Until you pay it off, you need to charge five ten thousandths of interest every day. Third, a certain percentage of late payment fee is required for the unpaid part, and the late payment fee is 5% of the minimum payable amount.

once the credit card of weihai commercial bank is overdue, it will produce bad credit records, which will be kept in the credit investigation for five years, and will be automatically eliminated after five years. in addition to bad records, it will also produce late fees and interest.

the late payment fee for overdue credit cards is: 5% of the unpaid part of the minimum repayment amount.

calculation formula of credit card overdue interest: credit card overdue interest = last month's consumption * overdue days *.5

There are three figures in the above calculation formula of credit card overdue interest, namely overdue amount, overdue days and daily interest rate. The meanings of these three numbers are introduced below.

overdue days: because the overdue interest of credit cards is calculated on a daily basis, the overdue days of credit cards are also very important. The number of overdue days refers to the number of days from the billing date to the current billing date;

Last month's consumption: It is important to note that the calculation limit of overdue credit cards is not the amount owed, but the consumption amount of last month. Try not to generate overdue credit cards, otherwise, if the consumption last month was large, the base of interest calculation would be too large;

daily interest rate: the daily interest rate of overdue interest on credit cards is uniform, which is .5.