It doesn't matter if CITIC Credit Card repays one day late, because now banks basically have time to serve, and repayment within three days is regarded as timely repayment. But in order to avoid overdue, try to repay according to the repayment date. Overdue will have a negative impact on credit records, making it difficult to apply for loans and credit cards in the future.

Tolerance Definition of tolerance:

"Tolerance and time tolerance" is a general term for "tolerance service" and "tolerance and time tolerance service" of bank credit cards.

"Tolerance service" means that the cardholder fails to repay in full in the current period, and if the unpaid amount in the account after the due repayment date is less than or equal to a certain amount (at least equivalent to RMB 10 yuan), it is deemed that the cardholder has repaid in full, and the unpaid amount will be automatically transferred to the next bill.

"Time-tolerant service" refers to providing cardholders with a certain period of repayment grace period service, and the repayment grace period is at least 3 days from the due repayment date; If the cardholder repays within the repayment grace period, it is deemed that the cardholder repays on time.

Definition of credit report:

Credit investigation is a Chinese vocabulary, and its pinyin is zhēng xìn, which means collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities. Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit institutions to share credit information.

Brief introduction of CITIC Bank:

CITIC Bank, formerly known as CITIC Industrial Bank, was founded in 1987 and renamed at the end of 2005. CITIC Bank is one of the national commercial banks in China, with its headquarters in Beijing. The major shareholder is China CITIC Company Limited. On April 27th, 2007, CITIC Bank was listed on the Shanghai Stock Exchange. CITIC Bank is the seventh largest bank in Chinese mainland, with total assets exceeding HK$ 65,438+0,200 billion, employees exceeding 65,438+0,600 and more than 540 branches. It is one of the six banks and three guarantees for Chinese financial stocks in Hong Kong.