Ping An Bank's credit card was swiped on July 15. On July 30th, the bank sent a text message saying that the repayment voucher would expire today. Do I have to pay back the money today?

I don't need to return it today, which is equivalent to the delivery voucher of Meituan, 5 yuan. You can return it in advance if you want, and you can not return it if you don't want.

It is best not to overdue the loan, otherwise it will be very troublesome to be sued for credit investigation.

How many days is the credit card overdue?

Each bank's credit card has a certain grace period for repayment, during which the repayment will not be recorded in the credit report. Most bank credit card repayment grace period is 3 days, and the application does not need to take effect automatically. However, some banks have special provisions on the grace period for repayment, as follows:

1, Bank of China:

The grace period for repayment of the Platinum Credit Card of China Bank is 9 days, and the grace period for repayment of other credit cards of China Bank is 3 days.

2. Postal Bank:

The grace period for repayment by China Post Bank is 4 days.

3. Guangfa Bank and Citibank:

Both Guangfa Bank and Citibank need to apply for a special grace period for repayment, usually around 3 days.

4. Agricultural Bank:

The grace period for repayment of China Agricultural Bank is 2 days.

5. ICBC:

ICBC's Star Card and Struggle Card can have a grace period of three days, while ICBC's other credit cards have no grace period.

What are the consequences of overdue credit cards?

If the overdue period reaches a very serious state, it will constitute a malicious overdraft, which will be identified as the crime of credit card fraud. Sentencing standards will be implemented according to the amount of our malicious overdraft, including fixed-term imprisonment of less than five years or life imprisonment, less than five years and less than 10 year, and a fine of more than 20,000 yuan but less than 200,000 yuan, more than 50,000 yuan but less than 500,000 yuan, or confiscation of property.

If the credit card is overdue for more than 6 times in two years, then you can't apply for a provident fund loan. A short-term careless overdue once or twice may still be possible, but if it is overdue three times in two years, then our provident fund loan will be beyond our reach. Because ordinary banks or provident funds mainly rely on the credit records of lenders in the last two years when handling credit business. Therefore, those cardholders who want to apply for provident fund loans to buy a house must pay back on time when using their credit cards.

If the overdue period is not very serious, then theoretically we can still handle the bank loan business. Many cardholders who want to borrow money to buy a house are overdue and have a bad record of credit investigation. In this case, if you apply for a commercial loan, most banks will raise your benchmark interest rate by 10% because of your credit problems. Obviously, the cost of buying a house will increase greatly. If we are overdue many times and seriously, then you will be directly refused the loan by the bank. Therefore, when using a credit card, considering the plan to buy a house in the future, it must not be overdue.