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信用卡有两三天延迟还款了,会有不良信用记录产生吗
释义
要看银行是否有宽限期,如果有3天的宽限期,在规定的还款日期过后3天内,持卡人将钱还上,银行都应视为全额同期还款,不得再因此罚息。如果没有及时还款的话拖个两三天还上银行方面也是可以的,并且不会对个人信用产生影响。
1、信用卡在使用时需要按时还款,欠款如果没有按时还清,会影响自己的信用记录,还会收取延期的违约金;
2、信用卡恶意透支属于违法行为,银行有权起诉行为人。一旦被银行发现轻则会降额、封卡,重则不仅直接影响其个人的信用记录,还要承担相应的法律责任。
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更新时间:2025/10/28 11:12:36