来源：四海网综合头条 | 2021-11-17 10:56:53 |
合理的使用信用卡，对你有着不少的用处，如果你是经常逾期不还款等，那么很容易被降低额度，还会被封卡处理的。但也有一些持卡人是选择最后一天还款日再去还款的，那么这样算是逾期了吗?
最后一天还款是否算逾期，当然也要看你的信用卡有没有宽限期。如果信用卡拥有还款宽限期，且宽限期大于等于一天，最后还款日后一天还款属于宽限期还款，所以就不算是逾期啦!
因此，用户必须知道自己的信用卡有没有宽限期，以及有几天宽限期，这样才好安排还款时间，不至于导致逾期还款。但用户也要按时还款，千万不要逾期，避免影响个人征信!
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