1. How many days overdue on Zhongyuan Bank’s credit card will be fine.
Generally, there will be no serious consequences if Zhongyuan Bank’s credit card is overdue for three days. Because the grace period for Zhongyuan Bank's credit card is three days, as long as the balance is paid before 5 pm on the last day of the grace period, it will not affect your personal credit report and will not be recorded as overdue.
However, if you repay the loan after this time, it will be considered overdue, which will have an impact on your credit report. At the same time, the bank will also charge late fees and overdue interest. If you really do not have the ability to repay, you can choose the minimum repayment, or you can apply for installments with the bank. In this way, even if you cannot pay off the entire debt, there will be no impact on your credit report.
2. Will Zhongyuan Credit Card charge interest for repayment within the grace period?
If Zhongyuan Credit Card is repaid within the grace period, no interest will accrue.
In fact, there is not much difference between the grace period and the normal repayment date. The main purpose is to prevent users from forgetting the repayment date, so banks will provide a grace period, except for Zhongyuan Bank. In addition, most banks will have a repayment grace period of 3 to 4 days.
Repayment within the grace period will not accrue interest and will not affect your credit score. Therefore, if you forget the repayment date, it is best to repay within the grace period. If you repay after the grace period, you will have to bear the corresponding overdue consequences.
3. Is it possible to apply for minimum repayment during the grace period of CITIC Credit Card?
CITIC Credit Card can apply for minimum repayment during the grace period. The banking system will also consider this to be a normal repayment, so it is not allowed. It will be counted as the user being overdue. However, there are also special circumstances where the user may be judged to be overdue.
Type 1, repayment after 5 pm on the last day of the grace period may result in overdue payment. Because after we pay the money back to the credit card, the bank still needs to process it. The bank is closed after 5 o'clock. It is very likely that the money will not be paid back on the same day, which will lead to overdue payment. Therefore, everyone wants the minimum repayment. It's best to return it before 5pm on the last day of the grace period.
Type 2, the repayment amount during the grace period is less than the minimum repayment amount, which will also lead to overdue payment.
That ends here what I want to share with you today about how many days the CITIC credit card is overdue. I hope that through today’s sharing, you will know that the grace period for CITIC credit cards is three days. Within these three days, Make timely repayments within the deadline to avoid overdue payments due to missed payments.
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