Treatment of abnormal status of credit card repayment account in China Bank;

If you use China Bank debit card, Great Wall Credit Card, current all-in-one account opened by China Bank or current savings account as the transfer-out account for automatic repayment, you need to ensure that the transfer-out account is normal and the deposit balance is sufficient. If the automatic repayment fails due to insufficient balance of the transferred-out account or abnormal account, Bank of China will inform you by SMS, and please repay through the active repayment channel before the due repayment date to avoid overdraft interest, default interest and other expenses.

The above contents are for your reference. Please refer to the actual business regulations.

If in doubt, please consult the online customer service of China Bank or download and use the mobile banking APP of China Bank to handle related business.

Automatic repayment failed. If it is paid manually, is it overdue?

Credit card automatic repayment failed. If the repayment is made manually on the repayment date, it is not overdue; If repayment is made after the last repayment date, there will be overdue records.

Credit cards are very common in our daily life. Before the popularity of flower buds, credit cards should be said to be our most commonly used credit payment method. Credit cards are very popular because they are consumed first and then repaid, and there is no need to pay interest and handling fees for timely repayment.

We all know that credit cards have a billing date and a repayment date. After the credit card is activated, the billing date and repayment date of each month are basically fixed. Billing date refers to the billing date of our credit card, which clearly lists the consumption since the last billing date. You can check your own consumption records and the total amount that should be repaid from the bill, so that you can plan and arrange repayment.

When we go to the bank to activate the credit card, the staff will generally remind you whether you need to bind a savings card in the bank's own name for automatic repayment. After selecting this function, the banking system will automatically deduct the corresponding amount from your designated savings card on the last debit day to pay the repayment of the credit card. In this way, there is no need to repay manually, and it also avoids the situation that forgetting to repay leads to overdue records. However, it should be noted that there must be enough balance in the savings card to repay, because if the balance of the savings card is not enough to repay, the automatic repayment will be unsuccessful and there will still be overdue.

If the bank fails to deduct the balance on the automatic repayment date due to insufficient balance in the savings card or other reasons, and the credit card fails to repay, if we find and repay manually on the repayment date, there will be no overdue record in our credit information. Once the repayment is made after the last repayment date, there will be overdue records in the credit investigation.

Can the bank credit card continue to repay automatically after two failed automatic repayments on the last day?

No, you can repay it manually.

The bank credit card will initiate automatic repayment at 0: 00 and 24: 00 on the last repayment date. If the amount of these two accounts is insufficient and the deduction is unsuccessful, it needs to be repaid manually in the later period.

What should I do if CITIC Bank's automatic deduction fails to repay?

Manual repayment.

If the automatic deduction of the loan fails, you can choose to repay it manually on the repayment date.

If the automatic deduction of the loan is unsuccessful and subsequent users do not take the initiative to repay, then non-repayment will be considered overdue.