2. According to the "time-tolerant" service regulations, if there are special circumstances, the cardholder's repayment within three days after the latest repayment date can be counted as timely repayment, and there is no need to record the overdue in the personal credit record.
3. Because you don't repay on time within the specified time, you need to bear the late payment fee and interest when you repay, and you need to call the bank credit card center to explain the situation; If it is only overdue once, repayment immediately within a short period of time will generally not have a negative impact on the credit record, but it may have a certain impact on the application for withdrawal, and even slightly reduce the withdrawal amount.
The main characteristics of credit cards
Cash advance deposit is not encouraged. You can enjoy an interest-free repayment period and can repay in installments (minimum repayment amount). Join VISA, Master Card, JCB and other international credit card organizations, which are universal.
It is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.
It has two functions: payment and credit. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.
It is a high-tech product integrating financial business and computer technology.
Can reduce the use of cash currency.
It can provide settlement services, facilitate shopping and consumption, and enhance the sense of security.
It can simplify the collection procedure and save social labor.
It can promote commodity sales and stimulate social demand.
References:
/item/ credit card /220968? Fr = Aladdin