Note that the repayment funds must be received before 7: 00 am on the third day after the repayment date, otherwise it will be overdue. Once the credit card is considered overdue, CCB will calculate the interest and report it to the credit bureau, which will have an impact on the credit of the cardholder.
Supplementary information:
1. If the deduction of the agreed account on the same day is unsuccessful due to the time difference handled by the system, CCB will make a supplementary deduction on the morning of the third day of the due repayment date, and the successful supplementary deduction will still be regarded as normal repayment.
2. For customers who use other repayment methods, if the payment is not paid off on the same day due to the transfer time difference, please ensure that it is paid off before 7:00 am on the third day after the due repayment date, and it is still regarded as normal repayment.
According to the credit card collection agreement, in principle, the cardholder should repay the minimum repayment amount before the due repayment date.
4. If the payment exceeds the grace period, it will be considered overdue: the interest will be calculated at 0. 5% late fee will be added to the unpaid part.
5. If there are no special circumstances, it is recommended that the cardholder repay in time. When the repayment period is approaching, try not to use inter-bank repayment, so as not to delay the repayment and affect the credit investigation.
Extended data:
1. Is the credit card overdue within the grace period?
There is a three-day grace period after credit card repayment, and repayment within the grace period is regarded as timely repayment.
1, time tolerance is overdue. "Time-tolerant" overdue means that the cardholder fails to repay the loan in time on the due date, and there is a grace period, during which there will be no penalty interest and it will not be uploaded to the credit information system. But if you don't pay back the money after the grace period, it is likely to be uploaded to the personal credit information system. The grace period of each bank is different. Most banks have three days (this is a natural day, not a working day).
2. Tolerance is out of date. The so-called "tolerance" means that the cardholder fails to repay in full in the current period, and if the unpaid part in the account is less than or equal to a certain amount after the due repayment date, it is deemed that the cardholder has repaid in full, and the unpaid amount is automatically transferred to the next bill, and this situation is not recorded in the bad credit report. The tolerance amount is generally within 10 yuan, but different banks have different tolerance policies, such as China Merchants Bank, Communications, Huaxia, Shanghai Pudong Development Bank and Xingye.
3. "Three tired six". "Three consecutive years and six consecutive years" is a general term for "three consecutive years" and "six consecutive years". "Three consecutive months" refers to overdue repayment, and "six consecutive years" refers to accumulated overdue repayment. In the eyes of banks, whether it is "three companies" or "six companies", it is a serious problem. People in both cases will be classified as "problem customers", that is, they will enter the "blacklist", which will have a serious impact on the future lending business.