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 fees, and may be entered into a bad credit record by the bank.
However, there are many non-subjective reasons that can't be controlled in the actual operation process, and these non-subjective reasons have created the credit card grace period. The cardholder can call the credit card center to explain the situation after the above situation, and the customer service specialist of the credit card center will reduce the relevant fees for you according to the actual situation.
The grace period of credit cards is generally 2 to 3 days. Please pay special attention to card friends, try to repay in advance to avoid all kinds of troubles caused by overdue repayment.
Extended data:
Collection and payment of arrears
1. The bank has the right to call customers and guarantors directly by telephone, letter, SMS, WeChat, e-mail, face-to-face or judicial channels, and ask the contacts, close relatives and work units provided by customers to inform them of the call.
In this case, the bank has the right to provide necessary personal financial information such as customer identity information and arrears account information to guarantors, contacts, relatives and friends, work units and other willing compensators.
2. Banks have the right to make a collection announcement through the news media, announce the list of customers with bad behaviors to the society or relevant parties, and have the right to apply to the people's court for the inclusion of customers who have not fulfilled their judgment obligations in the list of people who have lost their trust, which will be publicized to the society by the people's court. The people's court may publish the list of persons who have been executed for breach of trust through newspapers, radio, television, internet and court bulletin boards. ?
Baidu Encyclopedia-Credit Card Grace Period
CGB-CGB Credit Card Customer Agreement (Personal Card)