The grace period of Guangfa Credit Card is generally about 20 days, but the specific grace period is subject to the regulations on the credit card bill. Contact the bank customer service in time before overdue, try to reach an agreement with the bank and formulate a repayment plan, so as to avoid the negative impact of overdue records on personal credit.

In addition, do not take overdue online loans lightly, because in addition to collection, personal credit will also be affected. Especially for online loans with credit bureaus, once there is an overdue record, it will have a serious impact on future bank loans or credit card businesses. Even if online loans cannot be listed on the credit bureau, the data can still be recorded. You can check your online loan history, overdue details, debt status, dishonesty information and online loan blacklist in "Zhiyi Big Data".

To sum up, timely repayment and paying attention to the rationality of borrowing are the keys to maintaining personal credit.