Credit cards can be extended for up to six months.

Credit card extension: if the cardholder cannot repay the loan on time for some reason, he can apply to the bank for extension of repayment and delay the repayment of the current bill.

As early as 2020, 65438+127, the central bank and other five ministries and commissions put forward:

For those who have temporarily lost their source of livelihood due to the epidemic, the credit policy will be appropriately tilted, and the repayment arrangements of personal credit such as housing mortgage and credit card will be flexibly adjusted, and the repayment period will be reasonably postponed.

Extended data

As we all know, users who use credit cards or borrow money from banks must repay on time on the billing date. Once the repayment is overdue, it will have a certain impact on their credit information.

The bank specially issued a policy to prevent medical personnel, disease control personnel and personal loans and credit card overdrafts from entering the list of defaulting customers during the epidemic prevention and control period, and to strengthen credit protection for epidemic prevention and control personnel;

For customers who have temporarily lost their sources of income due to the epidemic, we will flexibly adjust the repayment arrangements of housing, mortgages, credit cards and other credits, and reasonably postpone the repayment time.

It is understood that at present, ICBC, Agricultural Bank of China, China Construction Bank, Bank of China, China Merchants Bank, CITIC, Ping An, Guangfa, Pudong Development Bank, Communications, Huaxia, Minsheng, China Everbright, Postal Service, Xingye and many other banks have issued relevant announcements, clearly indicating that personal and corporate loans can be postponed, and clearly indicating that overdue overdrafts of credit cards affected by the epidemic are not considered as breach of contract and will not be accepted for credit!

At the same time, you can apply for 3-6 months' deferred repayment, and only pay interest but not principal during the grace period;

Is there a time difference in the minimum repayment of credit cards?

The minimum repayment amount needs to be paid before the repayment date.

Take China Merchants Bank's credit card as an example. If the minimum repayment amount of the bill is not returned in time before the due repayment date, late fees and interest will be charged, and personal credit will be affected. The overdue fine is 5% of the unpaid minimum amount, and the minimum amount is RMB 10 yuan or USD 1 yuan. Interest refers to the collection of all consumption in the current period from the bookkeeping date (usually the day after consumption), with a daily interest rate of five ten thousandths until you pay it off in full. In order to avoid affecting personal credit, it is recommended that you repay on time. If it is not convenient to pay off the bill in full, please pay off at least part of the minimum payment on time. Minimum repayment amount of credit card = 10%. All general transactions of credit card account = 100%. All unsettled installment transactions in the account = 100%. The outstanding part of the minimum repayment amount in the previous period = 100%. All the money used exceeds the credit limit of the account = 100%. Cost = 100%. If you can't pay off in one lump sum, you can pay off the minimum repayment amount on time before the final repayment date, without affecting your personal credit, but you can't enjoy the interest-free repayment period. All consumption in the current period will bear interest from the bookkeeping date, with a daily interest rate of five ten thousandths. (If you repay in full and on time, you can enjoy an interest-free period for credit card spending) If you don't repay, your credit will be affected and interest will be charged. Banks will ask for compensation first, and then they will not rule out seeking legal solutions. I suggest you ask your relatives and friends for help and repay as soon as possible.

A few days after the credit card is approved, there will be a time difference between different banks.

Credit card has become the first choice of consumption, whether shopping in shopping malls or Taobao online, you can use credit card to spend. How about a few days after the credit card application is approved? Whether the issuing time of each bank is different, I will help you solve this problem today and see how many days the credit card is approved.

After the credit is approved, the bank will start to help customers make cards. Generally, the printing time of business cards will take 2 to 3 working days, and different banks will have different business cards. After the card is completed, it will be sent to the applicant by registered mail, which usually takes about two weeks, of course, because the mailing address is different. If it is in this city, the mailing time is about one week; If it is abroad, the time is longer.

In addition, getting the card a few days after the credit card is approved is actually related to the level of credit card application. The higher the credit card, the faster the delivery speed. Take CITIC Bank as an example. CITIC Credit Card will be available in about 7 working days after it is approved. If it is a platinum card, it will be received in 3 or 4 days, and if it is an ordinary card, it will take about 7 days.

In the process of handling credit cards, banks can speed up if they are in a hurry, but generally they have to charge a relatively high handling fee. The fast card issuance of CITIC Credit Card does not exceed 8 working days, but the fee is 160 yuan.

Warm reminder

Card friends can check the progress of credit card processing, get the card in a few days after credit card approval, and the progress of bank audit can also spy on the efficiency of bank card processing. The steps and methods to check the progress of credit card processing are as follows:

1, check at the bank counter

Bring valid identity documents to the bank counter for enquiry.

2. Telephone enquiry

Call the bank credit card customer service hotline, and you can inquire with your ID number.

3, online online query

Log in to the bank official website, click: online inquiry channel of credit card application progress, and enter it to inquire.

Getting the card a few days after the credit card is approved will vary according to the time of the bank and the card you choose. Now that the cards have been issued successfully, wait patiently!

Is there a mistake in the transaction time of traffic credit card?

There will be errors in the transaction time of traffic credit cards. It is normal that the billing time and transaction time of credit cards are different. When you make a transaction, if the amount is small. Then there is no need for bank manual audit. So it will be charged at any time, if the amount is relatively large. It will pass manual review before it can be recorded. So there will be inconsistent displays, which is normal.

Bank time difference tolerance service

Many banks can provide tolerance service for cardholders. Time tolerance refers to the grace period of repayment. Most banks can provide tolerance service of 1 to 3 days, but some banks do not, such as ICBC. Only banks with time tolerance are mentioned here.

According to the bank regulations, as long as the cardholder pays the minimum repayment amount within 3 days after the final repayment date, it is not overdue, but the unpaid part will be calculated at the interest of five ten thousandths per day until it is paid off. Then, if the repayment grace period is exceeded, there is still no repayment, or the repayment amount is lower than the minimum repayment amount, is it definitely overdue and will be reported by the credit reporting agency?

This is the end of the introduction of credit card time difference, and what is the end of credit card day. I wonder if you found the information you need from it?