How long is the credit card overdue?

Generally, credit cards have a 3-day grace period, after which they will be overdue.

Every credit card has a fixed repayment date, which is the last date for the cardholder to repay the arrears. If the credit card user fails to repay after the repayment date, or the repayment amount is lower than the minimum repayment amount stipulated by the bank, it may be overdue.

As long as the credit card user pays off the debt within the grace period, the bank will regard the user as repaying on time, but if the credit card user fails to repay after the grace period, the bank will count the credit card user as overdue from the day after the repayment date.

Extended data:

People who have no economic income, such as students, should not apply for credit cards easily. Even if you don't use a credit card, you have to bear the annual fee and other items. In addition, the consequences of overdue credit cards are as follows:

1. The liquidated damages are generally the minimum repayment amount, that is, 5% of the unpaid part.

2, the interest rate is high, and it is rolling interest. When there are many debts, the interest rate is scary.

3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years.

4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.

References:

Credit card-Baidu encyclopedia