Of course, if the last repayment date of the credit card is missed, as long as the credit card holder can complete the repayment within the repayment grace period, it will still be on time. At this time, it is necessary to clearly know how long the grace period of bank credit card repayment is. Generally speaking, the bank's credit card repayment grace period is 3 days, and ICBC has no repayment grace period. The default repayment grace period of China Merchants Bank is 1 day, and you can apply for a three-day repayment grace period within 1 year.

Extended data:

Precautions:

For the card owner, as long as the minimum repayment amount is paid, it not only relieves the financial pressure, but also does not affect the credit information. But the bank will not tell users that this is the preferred repayment method. The cardholder chooses the minimum repayment amount, the current bill does not enjoy interest-free repayment, and the overdraft interest is calculated according to five ten thousandths, which is the so-called full penalty interest.

Under normal circumstances, the day of the cardholder's repayment is taken as the demarcation point, and the interest is calculated on a daily basis according to all the arrears before repayment, and the interest is calculated on a daily basis according to the remaining arrears after repayment. The sum of these two items is the total amount of interest payable. The bank defines whether the cardholder is overdue according to whether the cardholder pays off the minimum repayment amount before the final repayment date. In case of overdue, there will be corresponding liquidated damages.

Baidu Encyclopedia-ICBC Credit Card

Baidu Encyclopedia-Credit Card Maturity Repayment Date