The deferred payment is paid together with the next bill. Generally, if a credit card cannot be returned, you can apply to the bank for deferred repayment, but whether the application can be successful and how long it will take depends on the bank's audit results. If it passes, the deferred repayment needs to be returned together with the next bill.

In addition to banks, some online lending companies will also give deferred repayment policies due to epidemics or personal circumstances. For example, the use of deferred repayment is aimed at the current bill. If the deferred coupon is used, the next installment needs to be repaid together with the current bill, that is, the accumulated repayment will not affect the credit. This does not mean that the number of repayment periods is literally postponed. Pay attention to this.

Delayed repayment will delay the repayment period, and interest will be calculated normally during the extended period, so users will pay more interest if they choose to delay repayment. Or the loan does not charge deferred repayment interest, but as long as the application for extension is successful, the loan will deduct a part of the handling fee at one time, which is equivalent to additional interest.

If this kind of non-compliant online loan is overdue, it will not affect your personal credit status, but the online loan record will remain in the online loan big data. Search: Winnie Hsin, check your online loan history, overdue details of online loans, debt situation, untrustworthy information, and online loan blacklist.

Extended data:

Is there a difference between deferred repayment and overdue repayment?

Overdue repayment refers to the situation that the final repayment period stipulated by the bank is exceeded, and the full repayment or the minimum repayment amount is not paid to the designated account. Deferred repayment is a repayment operation mode that gives the borrower a certain economic repayment buffer period with the approval of the lending institution. So deferred repayment is not overdue.

How to calculate the interest if the credit card is overdue for several days?

Five ten thousandths.

Generally speaking, every bank will charge a certain interest for overdue repayment, which is different from each bank, and is generally five ten thousandths of the interest. However, the value date should be calculated from the date of consumption, not from the day after the last repayment date. It is suggested that if the total amount is not repaid, the minimum repayment amount can be repaid first, without affecting the credit line. At the same time, there will be a buffer period, so that the bank can know the flow of funds in your account in time and will not freeze the account! When a credit card (debit card) holder chooses the minimum repayment method or uses a card that exceeds the credit limit approved by the issuing bank, he will no longer enjoy the interest-free repayment period, and will pay overdraft interest calculated at the prescribed interest rate for the unpaid part from the bank bookkeeping date.

Credit cards generally have an interest-free period ranging from 20 days to 50 days. If the cardholder fails to repay during this period, interest will be charged on overdue debts. At present, there are two kinds of interest calculation methods for credit cards, one is full interest calculation, and the other is installment interest calculation. Full interest calculation is also called full penalty interest, which means that the cardholder fails to pay off all the debts owed before the repayment date, and from the date of consumption to the date of full repayment, the interest is calculated at the rate of five ten thousandths per day. For example, the bank statement of a credit card is July 7, and the repayment date is the 25th of this month. The repayment this month should be 1 000, and the minimum repayment amount is 1 000. If the credit card is not repaid before 25th, but returned to 200 yuan on 28th, the calculation method of cyclic interest is: 1 0,000× 0.0005× 28 (65438). Calculation method of late payment fee: 100×0.05×3= 15. Interest calculation by installments refers to the calculation of the overdue part, and it is also carried out from the date of consumption to the date of repayment at the rate of five ten thousandths per day. At present, only three banks, namely Agricultural Bank of China, Shanghai Pudong Development Bank and ICBC, carry out interest calculation by installments. In addition to the penalty interest, the credit card has to pay a fine. Except that ICBC pays at 10% of the minimum repayment amount and Guangfa Bank pays at 10% of the unpaid part of the minimum repayment amount, other banks basically collect liquidated damages at 5% of the unpaid part of the minimum repayment amount. As for the collection of liquidated damages, some banks have set income limits, among which the minimum income liquidated damages of Guangfa Bank, Industrial Bank and CITIC are 20 yuan, that is to say, even if the overdue liquidated damages are five yuan, the cardholder should collect at least 20 yuan's liquidated damages. Credit cards will have a minimum repayment amount, which is generally 10% of the bill of the current month. As long as the minimum repayment amount is paid, there will be no late payment fee and there will be no impact on personal credit information. If one month's bill is not paid back, there will be a late fee, that is, the consumption amount × 10%×5%, and the calculated amount is the amount to be paid back.

How to calculate interest on overdue credit card repayment?

The interest is calculated at 0.05% from the entry date, and there is a late payment fee. It is best to pay off within the grace period of China Merchants Bank. If you exceed the grace period, if you have the ability, you will choose to repay in full, so there will be no charge, otherwise you will charge 0.05% interest per day plus a late fee.

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Consequences of overdue credit card:

1. Late payment for credit cards is required. When the cardholder fails to repay before the due repayment date (inclusive) or the repayment amount is lower than the minimum repayment amount, the cardholder shall pay the fees to the issuing bank according to the regulations.

2. After users overdraw with credit cards, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder's repayment is overdue, all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the circulating daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18%.

3. Credit card overdue repayment records will enter the central bank's credit information system to generate bad credit records.

If the credit card is not repaid for more than 3 months, the bank will ask a lawyer to send a lawyer's letter to the user and file a lawsuit against the cardholder, and the litigation expenses will be borne by the cardholder.

5. Criminal responsibility for malicious overdraft. According to Article 196 of China's Criminal Law and relevant judicial interpretations, malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Those who engage in credit card activities with malicious overdraft shall be investigated for criminal responsibility for credit card crimes, sentenced to fixed-term imprisonment of not more than five years or criminal detention, and fined not less than 20,000 yuan but not more than 200,000 yuan.

If the credit card is overdue, it should be noted that there is a grace period of 1 to 3 days after the credit card is overdue. As long as the arrears are paid in time during this period, personal credit will not be affected. Of course, the specific time is subject to the announcement of each bank.

If the overdue time is more than three days, some online lending platforms will start to carry out strong collection, and generally frequent telephone and SMS collection will be carried out.

The record of overdue repayment of credit cards can only be completely eliminated after 5 years, but if the payment is made on time within 24 months, the previous bad credit record will be refreshed.

This is the end of the introduction on how to calculate credit card deferred repayment interest and how to calculate credit card deferred repayment interest. I wonder if you found the information you need from it?