Is there a problem with the credit card overdue for one day (what if the credit card is overdue for one day accidentally)

1. Is it a problem that the credit card is overdue for one day?

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Is there a problem with the credit card overdue for one day (what if the credit card is overdue for one day accidentally)

1. Is it a problem that the credit card is overdue for one day?

Most banks have given cardholders a certain grace period for repayment, and there will be no big problem if the repayment is overdue for one day. However, cardholders should also note that the bank stipulates that the grace period is a natural day, not a working day, which means Saturday and Sunday are included. Therefore, it is recommended to repay the loan as soon as possible, not too long overdue.

China Merchants Bank, China Everbright Bank, Ping An Bank, China CITIC Bank, Shanghai Pudong Development Bank, Industrial Bank and Huaxia Bank all provide a grace period of at least 1 day. As long as you can repay immediately after the deadline, the money will arrive before the end of the grace period, and even if you repay normally, the bank will not charge interest.

2. What are the consequences of overdue credit cards?

1. If there is a credit problem, the financing business of houses and cars and the use of credit cards may be hindered. In the pre-financing review of banks and financial institutions, the collection of personal credit is the most direct performance.

2. Generally speaking, after the phone call and SMS recovery are fruitless, the return visit of the general credit card is more formal, so that the other party can show relevant certificates and debt power of attorney, otherwise the other party will refuse to come to the door. Home visits are a means to put pressure on you by influencing your family and neighbors.

3. Being listed as a person who has lost his trust, and restricting high consumption and going out. If the bank does not sue the court and return it, it will sometimes enforce the nominal assets or be included in the list of bad credit executors. Recently, many people think that people who borrow money maliciously should be punished.

3. Will I go to jail if my credit card is overdue?

Whether the credit card is overdue for prosecution depends on the actual situation. If it is a malicious overdraft, it will be prosecuted by the bank, investigated for criminal responsibility, and may also go to jail; If it is not malicious overdraft, it will be prosecuted by civil law and investigated for civil repayment responsibility.

According to the law, if the cardholder overdraws beyond the prescribed limit or term for the purpose of illegal possession, and fails to return it for more than three months after being urged twice by the issuing bank, it is deemed as malicious overdraft. Malicious overdraft of more than 10 thousand yuan can be filed for prosecution.

Of course, if customers don't maliciously overdraw their credit cards, they won't go to jail. The court will only ask customers to pay off their debts as soon as possible. If the customer pays off the debt in time after the court decision, there will be no problem. Just take care of the credit afterwards.

Don't panic if the arrears are overdue. Legal aid will be used to negotiate, and professional team lawyers will plan the repayment plan for you.