If the credit card has a grace period, it is usually 1-3 days. At this time, the user can be overdue for 1-3 days, and the user needs to ensure that the overdue debt is paid off within the grace period. If the credit card has no grace period for repayment, the card cannot be overdue. As long as the repayment is unsuccessful on the repayment date, the bank will regard the user as overdue, and after the credit card is overdue, an overdue record will be uploaded to the credit information.

Therefore, users need to know whether their credit cards have a grace period for repayment. If there is no grace period, please pay attention to repayment on time.

If it is a CMB credit card, there is a 3-day grace period (no need to apply) for credit card repayment (including e-installment), and the minimum repayment within three days from the repayment date will not affect your credit history. For example, the final repayment date is the 5th, and it is normal to delay repayment for 3 days until 24: 00 pm on the 8th of that month. Overdue repayment for more than three days will generate liquidated damages and interest, and affect your personal credit and subsequent loan application. I suggest you return the money to your credit card as soon as possible.

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1. Failure to pay off the current bill within the due repayment date (including 3 days grace period) is overdue.

2. If the card has been deactivated and needs to be restored, please call the customer service phone of the credit card center for consultation.

3. It is suggested that China Merchants Bank's credit card be repaid by transfer from other banks 1-2 days in advance, and the account has a time limit.

4. Full repayment does not generate expenses, and the minimum repayment amount will generate interest expenses.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

The credit card stipulated in the relevant laws of China (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal [1-2]. 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, and the English name of Credit Card was stipulated.

Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).