It is considered overdue if it exceeds three days.

According to the "China Bank Card Industry Self-Discipline Convention":

Article 14 Member units should strive to improve the quality of credit card services, provide cardholders with humanized card services, and advocate Each credit card issuer has established a "tolerance service and a time-tolerance service" for credit card repayment or provided interest reduction and exemption discounts for the portion of the credit card overdraft that has been repaid during the interest-free repayment period:

(1) Member units provide cardholders with "time-tolerant services" and should provide cardholders with a certain period of repayment grace period service. The repayment grace period shall be at least 3 days from the due date of repayment. When repaying within the time limit, the cardholder shall be deemed to have repaid on time.

(2) Member units provide "tolerance services" to cardholders. If the cardholder has insufficient repayment in the current period, and the unpaid portion of the account after the due repayment date is less than or equal to a certain If the amount is at least RMB 10 equivalent, it shall be deemed to have been repaid in full by the cardholder.

Article 13 Member units should strengthen publicity work on bank card use and risk prevention to ensure that customers have full rights to know and choose regarding bank card business interest calculation, charging standards and related risks.

(1) Member units should strengthen the disclosure of credit card business information and fully reveal the meaning of credit card interest calculation rules. They should clearly state the interest calculation rules in prominent fonts in the credit card application form and publicize them through websites and other channels. Provide calculation rules and simulation cases.

(2) Member units should implement regulatory requirements and choose credit card interest calculation methods and corresponding preferential measures suitable for their own development based on actual conditions, but should clearly inform credit card applicants (or Cardholder) to ensure that the applicant (or cardholder) can decide whether to accept it according to his or her own wishes.

(3) Member units should provide repayment reminders to cardholders at least 3 days before the due date of the credit card through bills, text messages, emails, phone calls or letters.

(4) Member units can provide multiple billing dates for cardholders to choose and change, and the number of changes can be limited.

Extended information:

According to the notice on the issuance of the "Credit Card Business Management Measures":

Article 18 The maximum overdraft period of a credit card is 60 days.

Article 36: Credit cards can only be used by the legal cardholder himself, and the cardholder is not allowed to rent or transfer the account.

Article 37 After the cardholder has paid off the principal and interest of the overdraft, the cardholder can cancel the account if it falls into one of the following circumstances:

(1) 45 days after the expiration of the credit card validity period, the cardholder shall The person does not replace the card with a new one;

(2) After 45 days of reporting the loss of the credit card, the person does not have an additional card and does not replace the card with a new one;

(3) The credit card is not good and is included in the Stop payment list, the card-issuing bank has withdrawn the credit card for 45 days;

(4) The cardholder dies for some reason, and the card-issuing bank has withdrawn the credit card for 45 days;

(5) ) The cardholder requests to cancel the account or the guarantor revokes the guarantee, and has returned all credit cards for 45 days; (6) The credit card account has not had any transactions for more than two years (inclusive);

(7) The cardholder violates other regulations and the card-issuing bank believes that the cardholder should be disqualified.

Article 61: Disputes between cardholders and special agencies shall be resolved by both parties themselves. Cardholders may not refuse to repay debts incurred due to the use of credit cards on the grounds of disputes.

Article 62: Cardholders must properly keep and use their credit cards correctly, otherwise, they will be responsible for any resulting financial losses.

Article 63: For losses caused by fraudulent use after the cardholder reports the loss, the relevant person responsible shall bear liability in accordance with the provisions of the credit card regulations.

Article 64: If a corporate cardholder violates the provisions of these Measures and uses it to settle goods transactions or labor supply payments exceeding 100,000 yuan, he or she shall be fined 50,000 to 100,000 yuan.

Article 65 If a corporate cardholder violates the provisions of these Measures and transfers money from accounts other than the basic deposit account or sales income or deposits cash into his or her credit card account, he or she shall be ordered to transfer the money to the credit card account. In addition to returning to the basic deposit account, a fine of 50,000 yuan to 100,000 yuan will be imposed.

If a personal card holder violates the provisions of these Measures and transfers the company's money to his credit card account, he will be ordered to return the money and be fined 5,000 to 10,000 yuan.

Article 66: If a cardholder withdraws cash in violation of the provisions of these Measures, he or she shall be fined 30% to 50% of the amount of cash withdrawn.

Article 67 If a cardholder violates the provisions of these Measures by renting or lending a credit card and its account, in addition to being ordered to make corrections, he or she will be fined 5% of the amount incurred in renting or lending the account but not A fine of less than 1,000 yuan will be imposed and the illegal income will be confiscated.

Article 68 If a cardholder maliciously overdrafts, he or she shall be held criminally responsible in accordance with the law.

Article 69: When accepting a credit card, a special unit shall handle it in accordance with the prescribed operating procedures. Otherwise, any financial losses caused shall be borne by it.

Article 70: If a staff member of a special agency participates in bank fraud activities and constitutes a crime, he or she shall be held criminally responsible in accordance with the law.

Article 71: Bank staff who collude with cardholders or special agencies to participate in fraudulent activities, constituting a crime, shall be held criminally responsible in accordance with the law.

Article 72: Anyone who forges or misappropriates credit cards, uses forged or invalid credit cards, or fraudulently obtains or alters credit cards to defraud property, shall be punished in accordance with the law and held criminally responsible.

Baidu Encyclopedia-China Bank Card Industry Self-Discipline Convention