Generally speaking, if a credit card is overdue for one day, it will produce a bad credit record, which will have an impact on the cardholder's personal credit record. Once the credit information is affected, if the cardholder wants to handle other credit card or loan business in the future, it will also be affected to a certain extent. At the same time, even if the credit card is overdue for only one day, the bank will charge overdue interest at the rate of five ten thousandths per day.
At the same time, it should be noted that banks usually provide credit card holders with a three-day grace period for repayment. If the cardholder repays one day after the grace period, it will be counted as overdue repayment. If the cardholder repays within three days after the repayment date, it is not overdue.
Credit card billing date means that the issuing bank will regularly summarize and settle all the transactions and expenses of your credit card account in the current period every month, calculate the total amount owed and the minimum repayment amount in the current period, and mail the statement for you. This date is your credit card bill.
At the same time, it should be noted that the billing date of each bank is not the same day. And for billing date, some banks also provide the function of billing date, which makes your repayment more flexible.
ICBC is unified as the last day of the month, that is, the last day of the natural month, which cannot be changed.
The monthly bill date of China Bank is generated by the system, which is fixed for each cardholder and cannot be changed.
Optional bookkeeping days of CCB include February, May, July, 10, 12, 13, 15, 17, 19, 22, 23, 24 and 25 every month. Change it every natural year.
The 2nd, 4th, 6th, 8th, 15, 18,1,2 1 and 23rd of each month are the billing days of Industrial Bank, and cardholders can change them every six months.
The monthly billing dates of Minsheng Bank are 1, 3, 6, 9,1,13, 16, 19, 2 1, 24, 26, etc.
Ping An Bank takes the 5th, 10, 15, 20th and 25th of each month as accounting days; You can change it once a year.
Guangfa Bank is divided into cities, and each city has its own billing date, which cannot be changed: for example, the billing date in Beijing is the 20th; The accounting day in Shenzhen is my birthday. If your birthday is March 5th, the bill date is the 5th of each month.
The bank settlement date of SDB is 10 every month.
The monthly billing date of Shanghai Pudong Development Bank is generated by the system, which is fixed for each cardholder and can be changed once a year.
The billing date of each cardholder of Huaxia Bank is different, and your billing date of each period will be listed on the statement. Only once a year.
China Postal Savings Bank takes the 3rd, 7th, 9th, 1 1, 2nd1and 26th of each month as accounting days. Only the billing credit card can modify the billing date, and it can only be modified once a year. If there is installment payment, overdue account, exceeding credit limit, etc. , the bookkeeping date cannot be modified.
Does it matter if the credit card is repaid for more than one day?
Generally speaking, it doesn't matter if a credit card is overdue for one day, because according to China's Self-discipline Convention on Bank Card Industry, banks should provide cardholders with a certain amount of "tolerance service" with a longer repayment period. It's better not to wait until the final repayment date, or to repay more than 65,438+00% before the repayment date, which is also a good habit to avoid overdue.
Extended data:
Credit card refers to various media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards usually refer only to credit cards.
Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in credit card.
The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit.
Therefore, the applicant must provide proof of income, provident fund social security and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.
Persistence means that after you have a credit card, you should insist on long-term credit card consumption. It is best to have a credit card spending limit every month for more than three consecutive months. Don't freeze it for a long time.
What if the credit card repayment is overdue by one day?
Does it matter if the credit card is overdue by one day?
1. Repayment within the grace period: 2-3 days after the repayment date is the grace period. As long as the current bill is settled during this period, the bank will treat it as normal repayment, which has no impact on personal credit.
2. Repayment after one day overdue: after the repayment date, the next day repayment refers to repayment after one day overdue. For ICBC credit cards, interest will be calculated on a daily basis and a 5% late fee will be paid, and overdue records will be uploaded to the People's Bank of China for credit investigation.
How long is the credit card overdue?
According to the regulations, as long as the user's credit card is overdue for more than 3 months, the bank has effectively collected the user for at least 2 times during the overdue period. If the user still fails to repay, it is a malicious overdraft and the bank has the right to deal with the overdue cardholder. Once the case is filed, the corresponding judgment will be made according to the severity of overdue users.
Generally speaking, after the bank credit card is overdue for one or two days, as long as the arrears are paid off in time, it will not affect the credit investigation. However, it should be noted that the overdue credit card should not exceed three months, otherwise it will constitute a credit card crime and be punished by the bank. This situation is very unnecessary.
This concludes the introduction of one-day overdue credit card and one-day overdue credit card. I wonder if you have found the information you need?