Credit card repayments will have a repayment date set, but if the repayment date comes and you are still unable to repay it, can you postpone it for a few days? Let’s find out whether credit card repayment can be postponed. , it can be postponed for a few days at most.

How many days can credit card repayment be deferred

The repayment period of credit card is usually 1-3 days. If the credit card has a grace period, the grace period is usually 1-3 days. At this time, the user can be 1-3 days overdue. The user must ensure that the overdue balance is paid off within the grace period. If a credit card does not have a grace period for repayment, then the card cannot be in arrears. If the repayment is not successful on the repayment date, the bank will consider the card to be overdue. After that, the card's overdue record will be Upload to credit report.

Therefore, users need to first understand whether their credit card has a grace period for repayment. If there is no grace period, please pay attention to repay on time on the repayment date.

How many times will an overdue credit card affect your credit report?

Generally, more than three overdue credit cards will have an impact on an individual's credit record. Being overdue three or six times will cause a bad credit record.

Overdue credit card is a serious breach of trust. Failure to repay after the due date will incur additional fees such as late payment fees, handling fees, and interest, which will have a great impact on future loans, car purchases, house purchases, etc. Influence. This will greatly affect a person's credibility. Once there is a bad credit report, it will immediately affect subsequent loans.

As long as the credit card is overdue, the bank will upload the overdue record to the database of the Credit Information Center of the People's Bank of China. Therefore, when it comes to credit card repayments, everyone should try their best to repay them on time.