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【速搜问答】光大信用卡可以推迟一天还款吗

问答 admin 8个月前 (04-01) 216次浏览 已收录 0个评论

汉英对照:
Chinese-English Translation:

光大信用卡可以推迟一天还款,光大信用卡还款有3天宽限期,在宽限期内还款算作正常还款,不需要支出任何费用。如果持卡人在宽限期内没有归还,那么信用卡就会造成逾期还款,同时会产生罚息,时间越长罚息越多,银行还会催收。

Everbright credit card can delay repayment by one day. Everbright credit card has a three-day grace period for repayment. Repayment within the grace period is regarded as normal repayment without any expenses. If the cardholder does not return it within the grace period, the credit card will cause overdue repayment and generate default interest. The longer the time, the more the default interest, and the bank will collect it.

光大信用卡可以推迟一天还款,光大信用卡还款有 3 天宽限期,在宽限期内还款算作正常还款,不需要支出任何费用。如果持卡人在宽限期内没有归还,那么信用卡就会造成逾期还款,同时会产生罚息,时间越长罚息越多,银行还会催收。

Everbright credit card can delay repayment by one day. Everbright credit card has a three-day grace period for repayment. Repayment within the grace period is regarded as normal repayment without any expenses. If the cardholder does not return it within the grace period, the credit card will cause overdue repayment and generate default interest. The longer the time, the more the default interest, and the bank will collect it.

光大信用卡不能按时归还时可以使用分期还款或者最低还款额,分期还款时可以根据自己的还款能力选择分期数,这样就可以保证按时归还。同时办理分期后可以提前归还,节省手续费的支出。

When Everbright credit card can’t be returned on time, it can use installment repayment or minimum repayment amount. When installment repayment, it can choose the number of instalments according to its repayment ability, so as to ensure the timely return. At the same time, it can be returned in advance after the installment, saving the expenses of handling charges.

为了保证信用卡使用后能够按时归还,在使用时要知道使用什么方面的收入归还,如果个人收入比较低,这时要谨慎使用。值得注意的是,信用卡不能按时归还时可以向身边的好友借款还,不过要及时的还给好友。

In order to ensure that the credit card can be returned on time after use, we should know what kind of income to use when using it. If the personal income is relatively low, we should use it carefully. It is worth noting that when the credit card can not be returned on time, you can borrow money from your friends, but you should return it to your friends in time.

最后就是,信用卡逾期还款会被上传至征信中心,导致个人征信变不良,影响后续各种贷款的办理。比如车贷或者房贷等。再有就是逾期归还后会继续在征信上保存 5 年的时间,5 年以后会自动的消失。

Finally, the overdue repayment of credit card will be uploaded to the credit reference center, which will lead to bad personal credit and affect the subsequent processing of various loans. Such as car loans or housing loans. Then there is the overdue return will continue to keep on the credit for five years, after five years will automatically disappear.


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