What is the impact of one-day overdue repayment of CITIC Bank's credit card?

It doesn't matter if the credit card of CITIC Bank is repaid one day late.

CITIC Credit Card has a 3-day fixed repayment service. As long as the user repays within 3 days after the final repayment date, there is no problem. It doesn't matter if the bank credit card is overdue for one day. The overdue credit card does not mean that it will not be repaid on the last repayment date, but is overdue to the billing date of next month.

20 1 jul1China banking association published the revised "China bank card industry self-discipline convention" last year, requiring banks to provide timely services to credit card holders, and repayment within 3 days is regarded as timely repayment.

Note that although the Convention has provisions, it is not mandatory. At present, banks implement tolerance services in different ways.

For example, China Bank, Guangfa Bank, Bank of Communications, Minsheng Bank, China CITIC Bank, Shanghai Pudong Development Bank and China Merchants Bank can postpone repayment for three days, China Construction Bank can postpone repayment for five days at the longest, and Agricultural Bank can only postpone repayment for two days. Because ICBC's interest-free period is longer than other banks, it is even too late to repay.

Extended data:

China CITIC Bank credit card installment payment

1. The installment payment of CITIC Credit Card refers to the business that when a cardholder uses a credit card to make a large amount of consumption, the card-issuing bank pays the consumption funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and deducts the consumption funds through the cardholder's credit card account in stages according to the cardholder's application, and the cardholder repays the money according to the monthly recorded amount.

Second, most banks in China have credit card installment business, and installment payment is generally divided into POS installment, "mail order installment" and bill installment according to different occasions.

3. Shopping mall staging: also known as POS staging, refers to the cardholder's visit to a shopping place, such as a "shopping mall" that can be staged. When you check out, you need to pay by installment with a credit card supported by the mall. Then the cashier will swipe the card on the special POS machine according to the number of periods required by the cardholder (such as 3 periods, 6 periods, 12 periods, etc.). There are also a few shopping malls that support the 24 th issue).

4. Note: When staging in the mall, you need to verify the identity of the cardholder and remember to bring your ID card. Shopping malls are generally free in three stages. The rates for Stage 6 and Stage 12 vary from bank to bank.

As long as the goods are sold normally in shopping malls, they can generally be paid by installments. In many cases, the cardholder can also bundle a number of goods together for settlement, and then pay in installments.

Baidu Encyclopedia-China CITIC Bank Credit Card