How many days is the grace period for repayment of Agricultural Bank of China credit cards?

Generally speaking, the grace period for Agricultural Bank of China credit cards is 2 days. The credit card "grace period" service means that the Agricultural Bank of China will provide an interest-free repayment period to customers who repay within two days of the due payment date. If the repayment is made within the repayment period, no interest will accrue.

The Agricultural Bank of China sets the due repayment date to 25 days after the bill date, and the interest-free repayment period can be up to 56 days. An additional two-day grace period will be added after the due repayment date, that is, Customers can actually enjoy the interest-free repayment treatment of “562” at the longest.

However, if the user exceeds this deadline, the bank will be regarded as overdue repayment, which will not only accrue interest, but will also be recorded in the personal credit report, affecting the user's loan or credit card application.

Agricultural Bank of China provides a 2-day repayment grace period for Agricultural Bank of China credit card holders. For customers who repay within two days after the due payment date, Agricultural Bank of China will treat it as repayment before the due repayment date. , providing interest-free repayment period treatment. In addition, Agricultural Bank of China also provides tolerance repayment services for Agricultural Bank of China credit card holders. If the minimum repayment amount is met, and the outstanding amount is less than or equal to 10% of the bill balance, and not higher than the specified amount, Agricultural Bank of China will treat it as a credit card holder. Cardholders repay in full and enjoy interest-free repayment treatment. The outstanding portion is carried over to the next billing cycle.

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What is the grace period for Agricultural Bank of China’s repayment

Taking Fuzhou, Fujian as an example, Agricultural Bank of China’s repayment is There is no deadline.

Assuming that the repayment date is the 10th, then once the batch deduction time comes on the 10th, the system will automatically perform batch deductions. Insufficient account balance at the time of debit may result in debit failure, making the mortgage overdue. If the repayment is not made in time, it will be overdue. It is likely that the deposit time exceeds the bank's debit time and the debit account balance is insufficient.

On the day of deduction, banks usually use batch deductions to transfer the amount. However, the batch deduction time of each bank is not necessarily the same. Therefore, banks generally recommend holding a card. People deposit the money into the debit account before the repayment date.

Take the Agricultural Bank of China as an example. A few days before the repayment date, the bank will send a text message to the customer to remind them that the last repayment day is x, and they need to pay the mortgage before 17:00 on the repayment date. Deposit to ensure that the account balance can be transferred. Agricultural Bank of China's mortgage batch deduction time is around 17:00.

If the credit card is overdue for a long time, the bank will generally assess the customer's credit record based on the standard of "three in a row and six in a row". The so-called "three in a row and six in a row" refers to overdue repayments "for three consecutive months, a total of six times". Suppose a customer's mortgage loan is overdue for three consecutive months or six times in total. If he applies for a loan again, the bank will definitely be more cautious.

Extended information:

The Agricultural Bank of China has no clear regulations on the repayment grace period, so it is recommended to repay the loan on time before the repayment date, so as to avoid overdue. Because it is overdue for more than 3 days, it will basically be recorded as a bad credit record; if it is overdue for more than 3 consecutive months, it will be entered into the bank's blacklist. And you will have to bear interest and late fees if you are overdue.

If you are still within the grace period for Agricultural Bank of China credit card repayment, apply to the bank for grace period repayment as soon as possible; if it has been overdue for more than two days, the first priority is to repay, preferably in full. At the same time, take the initiative to contact the bank and explain that you do not owe money maliciously. If your previous credit record is good, it is very likely that it will not be recorded as a bad record.