Different credit card institutions may have different ways to deal with whether it is necessary to pay penalty interest for deferred repayment. Under normal circumstances, a credit card that delays repayment for two days usually needs to pay a penalty interest.

Specifically, the following is a detailed explanation of this problem:

1. penalty clause: according to the relevant laws of China and the regulations of credit card institutions, if the credit card holder fails to repay the loan on time, he will usually be charged a penalty interest. This is to encourage users to repay on time and ensure the normal operation and risk control of credit cards.

2. Calculation of specific penalty interest: The calculation of penalty interest is usually based on the overdue amount and calculated at a certain daily interest rate. The overdue amount refers to the bill amount that the credit card holder fails to repay on time. The specific penalty interest rate may be different among different credit card institutions, but it is usually calculated according to a certain proportion.

3. Deferred repayment: If the credit card holder applies for deferred repayment, but the delay time exceeds the normal repayment date, it will generally be regarded as overdue repayment. Even if the delay is only two days, it may still trigger the collection of penalty interest. Therefore, cardholders should pay attention to extending the time limit when delaying repayment to avoid triggering the penalty clause.

To sum up, according to the regulations of most credit card institutions in China, a two-day delay in credit card repayment is usually regarded as overdue repayment, and a certain penalty interest is required. The specific calculation of liquidated damages will be different according to the overdue amount and the regulations of credit card institutions. It is suggested that credit card holders contact credit card institutions in time when repayment is delayed, understand the specific calculation method of penalty interest, repay on time as soon as possible, and avoid unnecessary penalty interest expenses.

Extended data:

Credit card deferred repayment usually requires penalty interest. In addition, overdue repayment of credit cards may have a negative impact on personal credit records and credit scores, and affect future financial activities such as credit lending and loans. Therefore, it is suggested that credit card holders develop good repayment habits and repay on time to avoid extra expenses and credit risks.

The above answers are based on the relevant regulations and common practices of credit cards in China. If you have specific questions or questions about a specific credit card institution, please consult the relevant credit card issuer or bank.