If you mean comprehensive loans, according to regulatory requirements, the provision of a grace period of 65,438+00 days after the repayment date of personal loans expires will be suspended throughout the bank from 2065,438+03,65,438+00, so as not to affect your credit record. As there are many types of ICBC loans, it is recommended that you contact the loan handling bank for specific consultation. If you mean financing e-loan, ICBC will provide a three-day grace period (except for the last installment). If the deduction is successful within the grace period, it will be regarded as normal repayment. Loans overdue, not reported to the people's Bank of overdue credit. If only normal loans are accepted, they will be counted as overdue and penalty interest from the date when the loans become overdue, and will be reported to PBOC for credit investigation.

Tips: If you find that you have not paid off the outstanding amount and deposited it in the repayment account, etc.

(Answer time: 2021July 15. In case of business change, please refer to the actual situation.

2. What is the repayment grace period of ICBC?

Our bank has many kinds of business. If you refer to credit card types (such as World Iqiyi Credit Card, ICBC Struggle Lang Ping Credit Card, etc.). ), other credit cards have no deferred repayment service. You need to ensure that the repayment amount is received before 24: 00 pm on the repayment date. If your credit card enjoys time-sensitive service, we will provide the cardholder with a 3-day grace period for repayment. If the cardholder repays within 3 days, it is deemed that the cardholder repays on time, and no interest is calculated.

Tips: As there are many types of credit cards in ICBC, please call 95588 or ICBC outlet counter to verify your credit card details.

3. How many days is the grace period of ICBC credit card?

At present, ICBC World Struggle Credit Card, Cosmos Constellation Credit Card and ICBC Zodiac Credit Card can enjoy a three-day repayment grace period. Except some cards can enjoy the grace period, other credit cards do not have a 3-day grace period repayment service.

You can call 95588 to check whether your card enjoys this right. Please refer to the staff's inquiry.

(Answer time: April 22, 2022. In case of business changes, please refer to the actual situation. )

4. What is the repayment grace period of ICBC?

Different repayment periods are different:

1. If it is a quasi-credit card, the longest overdraft period is 60 days. If it is not returned for more than 60 days, it shall be deemed as overdue;

2. If it is a credit card, if the minimum repayment amount is not repaid before the due repayment date (inclusive), it will be considered overdue, and corresponding liquidated damages will be generated in addition to interest (liquidated damages = unpaid part of the minimum repayment amount ×5%).

It is suggested to repay in time or sign an automatic repayment agreement before the repayment date, so as not to affect personal credit.

3. Personal loan: The Loan Contract for personal loan signed with CCB before 20 13 10 stipulated a repayment grace period of 10 day;

4. There is no grace period for e-loan: specific customers such as the military and armed police shall be subject to the actual handling. Reminder: Only by repaying in full and on time according to the repayment date agreed in the contract can we maintain a good credit record. Extended information loan repayment overdue impact If the loan is not repaid in full and on time, it is overdue and may have the following effects:

1. Funds: default interest will be collected on a daily basis, subject to the contract;

2. Credit investigation: The overdue information is recorded in the Credit Investigation Center of the People's Bank of China for reference when approving loans or credit cards.

It is suggested to deposit the full amount into the agreed repayment account or make repayment at the counter as soon as possible, and then please repay in full and on time according to the agreed repayment date. ICBC-Credit card overdue repayment affects ICBC-Introduction to the grace period of loan repayment-Influence of repayment in loans overdue