The grace period stipulated by Zhengzhou Bank credit card is 3 days.
As long as the debt is repaid within the grace period, it will be regarded as normal repayment, and it will not affect your credit. But if the cardholder still cannot pay back the loan at the final time, it will be overdue, which will affect our credit report.
If the cardholder repays the loan within a period of time after the due payment date, by applying to the credit card center, the corresponding interest and late payment fees can be exempted and the bank will not record a bad credit record. During this period, Become a credit card grace period.
According to bank regulations, once the cardholder fails to repay the corresponding amount after the final repayment period, the cardholder needs to pay corresponding interest and late fees, and may be entered into a bad credit record by the bank. However, in the actual operation process, there are many non-subjective reasons that are beyond our control. For example, customers who were automatically bound for repayment failed to successfully repay due to bank system failures, and used other repayment methods to repay but failed to pay on the last repayment date. If the payment amount has not yet been recorded, these non-subjective reasons will shorten the credit card grace period. After the above situation occurs, the cardholder can call the credit card center to explain the situation, and the customer service specialist of the credit card center will reduce or reduce the relevant fees for you based on the actual situation. The grace period of a credit card is generally 2 to 3 days. Please pay special attention to it and try to repay as early as possible to avoid all kinds of troubles caused by late repayment.
A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the bill date. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; a quasi-credit card refers to a credit card in which the cardholder can A quasi-credit card that deposits a certain amount of reserve fund and can be overdrafted within the specified credit limit when the reserve account balance is insufficient for payment. The so-called credit card generally refers to a credit card only.