1. If it is a quasi-credit card, the maximum overdraft period is 60 days. If it is not returned for more than 60 days, it will be considered overdue; ?

2. If it is a credit card, the unpaid minimum repayment amount before the due repayment date (inclusive) will be regarded as 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 to avoid affecting personal credit information.

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

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. Tips: 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 data

The influence of loans overdue

If the loan is not repaid in full and on time, it is overdue and may have the following effects:

1. funds: penalty interest will be collected on a daily basis, which is 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.

Industrial and Commercial Bank of China-Impact of Late Payment by Credit Card

Industrial and Commercial Bank of China-Introduction of Loan Repayment Grace Period

China Industrial and Commercial Bank-loans overdue's influence on repayment.