Legal basis: Article 14 of China Bank Card Industry Self-discipline Convention stipulates that member units should strive to improve the quality of credit card services, provide cardholders with humanized service, advocate card issuers to establish "tolerance service and time-tolerant service" for credit card repayment, or give interest relief to the repaid part of credit card overdraft during the interest-free repayment period:
(1) Member units provide "time-tolerant service" for cardholders, and should provide repayment grace period service for cardholders within a certain period of time, and the repayment grace period should be at least 3 days from the due repayment date; When the cardholder repays within the repayment grace period, it is deemed that the cardholder repays on time.
(2) Member units provide "vacancy tolerance service" for cardholders. If the cardholder fails to repay in full in the current period, and the unpaid part in the account after the due repayment date is less than or equal to a certain amount (at least equivalent to RMB 65,438+00), it is deemed that the cardholder has repaid in full.