Bank repayment date is divided into bank credit card overdue and bank loans overdue. Generally speaking, credit cards expire after the repayment date. However, credit cards generally have a three-day grace period for repayment, so as long as repayment is made within the grace period, personal credit information will not be affected; If the repayment of bank loans exceeds the repayment date, it is overdue, and bank loans generally have no grace period. Once overdue, it will affect personal credit information.
Although three days are allowed, each bank has different regulations on the specific deadline. Among them, before 7: 00 a.m. on the third day after the repayment date, CCB will repay the loan in real time, which is not overdue and does not charge extra fees; It is not overdue for China Merchants Bank to repay before 24:00 on the third day after the repayment date; Bank of Communications shall repay before 2 1:00 on the third day after the repayment date, which is not overdue, and ATM self-service equipment shall repay before 18:00; The repayment of CITIC Bank and Shanghai Pudong Development Bank is not overdue before 20:00 on the third day after the repayment date; Huaxia Bank repays the loan before 19:00 on the third day after the repayment date, which is not overdue. It should be noted that what we are saying is that most banks' credit cards give a three-day tolerance, but it does not mean that all banks' credit cards give a three-day tolerance.
1. First of all, we need to remember that if the credit card is really overdue, it will indeed be included in the personal credit report, which will discredit personal credit, and the overdue record will stay in the personal credit report for 5 years. However, this situation can be remedied. As long as you continue to use this credit card, there will be no overdue situation, and your original overdue record will be written off by subsequent credit card records. Although the bank can still see an overdue record when inquiring about your personal credit record, it has little impact. When applying for loans such as mortgages, you will not be stopped because you have this overdue record. But if you are overdue too many times, or form bad debts, you will be on the "black account".
2. For a credit card with no time limit, even if your repayment is one day late or even 1 second late, it is overdue. Holders of these credit cards will have a long snack and must pay back on time. It is best to use the savings card of the same bank for automatic repayment, and ensure that the account has sufficient balance on the repayment date.