Is the credit card repayment of Postal Savings Bank overdue for two days?

Postal savings bank credit card overdue repayment for two days is not overdue. In order to protect customers' credit, the central bank stipulates that banks have at least three days grace period for repayment. Although a three-day grace period is stipulated, the actual operation of each bank is different. Some banks only have two days, and platinum card users can reach nine days, depending on the bank's regulations.

Credit card overdue repayment will face the following consequences:

1, credit card late fee. The so-called credit card late payment fee refers to the fee that the cardholder should pay to the issuing bank in accordance with the regulations when the repayment date is overdue or the repayment amount is lower than the minimum repayment amount.

2. Overdue interest. After users overdraw with credit cards, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder's repayment is overdue, all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the circulating daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18%.

3. Bad credit record. Credit card overdue repayment records will enter the central bank's credit information system to generate bad credit records, and personal credit information records have been networked nationwide. As long as individual residents have handled loan business in banks, applied for credit cards, or provided guarantees for others, credit reports can be found in any domestic commercial bank.

4. Litigation costs. If the credit card is not repaid for more than 3 months, the bank will ask a lawyer to send a lawyer's letter to the user and bring a lawsuit to the court, and the litigation expenses will be borne by the cardholder.

5. Criminal responsibility for malicious overdraft. According to Article 196 of the Criminal Law and relevant judicial interpretations, malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.

Whoever commits credit card fraud with malicious overdraft shall be investigated for criminal responsibility for the crime of credit card fraud, sentenced to fixed-term imprisonment of not more than five years or criminal detention, and fined not less than 20,000 yuan but not more than 200,000 yuan.

Extended data:

Avoid expired credit cards

1, many people have more than one credit card, and there is no problem at first. However, after a credit card does not repay, it will repay in cash with other credit cards, and then gradually form the habit of supporting loans with loans. There is nothing wrong with this practice at ordinary times, but once the capital chain breaks, so many credit cards are overdue at the same time, and the consequences are unimaginable.

So just one or two credit cards for daily use, there is no need to do so many.

Don't think about withdrawing cash by credit card all day. As long as the credit card limit is sufficient, there is no need to continuously increase the limit.

Cardholders now have a high credit card limit, but the salary is not much. However, the cardholder does not consider the salary issue, but keeps spending. This practice is also not desirable. The credit card consumption limit should be about half of the salary to avoid problems such as overdue.

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