Credit cards of major banks all have a repayment grace period, which means you can delay repayment. Most of them are 3 days, which means delaying repayment for 3 days. As for the specific number of days that can be delayed, it depends on Look at the regulations of the issuing bank. Let’s take a look at the regulations of Bank of China credit cards in this regard.

How many days can the repayment of the Bank of China credit card be deferred?

The Bank of China general gold and ordinary cards have a 3-day grace period, and the Platinum card has an 8-day grace period. The latest is Repayments received before 20:00 on the last day of the grace period are considered normal repayments. Some special card types do not enjoy the grace period service. You can call the credit card customer service hotline for further consultation. If your credit card is overdue, please repay the bill amount as soon as possible. Under normal circumstances, the card can be resumed for normal use the next day after the repayment is credited.

Bank of China credit card repayment arrival time:

1 Bank of China channel: most transactions can be credited in real time, it is recommended to repay before 20:00 on the same day;

2 Inter-bank channels: The arrival time depends on the situation of the remittance bank;

3 Third-party channels: (Alipay, Lakala, Tenpay, Kuaiqian, etc.) Arrival time 1 -About 2 working days, the details will be subject to the transfer party.

The impact of Bank of China credit card overdue on cardholders:

The overdue amount and time of the credit card will be reflected in the People's Bank of China's personal credit database in a timely, objective and true manner, and will be reported to the individual The credit report form is available for inquiry by commercial banks and other institutions (with legal authorization).

Whether the credit card overdue repayment record will be regarded as a bad record by commercial banks and thus affect your loan or credit card application? This is based on the credit risk policies of each bank, including the credit card overdue time and overdue amount. , comprehensive assessment based on different overdue times.

The repayment grace period for Bank of China credit cards depends on the type of card. Furthermore, whether an overdue record will be generated after the credit card expires will be based on the latest bill.