Yes, as long as the repayment is made on the last repayment date, it will not be overdue and there is no need to pay more interest.

The last repayment date is not equal to the automatic deduction date

1. A national commercial bank:

The final repayment date is 5: pm.

The reporter saw on the bank's website that the related automatic repayment service requires users to check whether the account balance is enough before the due repayment date indicated by the bill. If the account balance is insufficient, the account balance will be deducted to "" yuan, and the rest will not be deducted separately, so users need to repay their own credit card accounts.

Mr. Xiao obviously deposited a full amount of cash into his debit card on the last repayment date. Why hasn't he been able to repay in full?

The reporter called the credit card center of the bank. According to the customer service, unlike paying off debts at ATMs or counters, the bank's automatic deduction time is often earlier for repaying debts through associated accounts.

the customer service said that if the repayment is made through ATM or the counter, the final time of remittance settlement is 24: on the same day, but if it is related to automatic repayment, due to the requirements of system settlement, the remittance is often made at 5: pm on the final repayment date. Therefore, although Mr. Xiao deposited a full amount of cash into the debit card on the last repayment date, the bank charged a penalty interest because he failed to repay automatically after 5 pm. ?

Second, a joint-stock commercial bank:

It may automatically deduct money 2 ~ 3 days in advance

The customer service of the credit card center of another joint-stock commercial bank told the reporter that because "the time of batch processing in the banking system is not necessarily", it is difficult to predict the transfer time of automatic repayment of credit cards, and it is certain that the repayment will be unsuccessful if you deposit it in a debit card on the last repayment day.

customer service suggests that users who use automatic repayment should check whether their account balance is sufficient in advance, and deposit sufficient funds 2 to 3 days before the final repayment date, otherwise it is very likely that automatic repayment will fail.

This means that for customers who use the automatic repayment service, the bank has actually "secretly" advanced the final repayment date by two to three days, but the customers have not been clearly informed, so they have been "punished".

Automatic deduction date ≠ Last repayment date Bank deduction time is "secretly" advanced _ China Economic Net