“还款日还款”，信用卡6年被收1.2万利息

Core Viewpoint - The article discusses the issue of credit card interest charges incurred by a customer despite making full payments on the due date, highlighting the lack of clarity in repayment policies and the need for better communication from banks regarding interest and fees [2][10][11]. Group 1: Interest Charges and Repayment Policies - A customer discovered that she was charged a total of 12,755.94 yuan in interest over six years, despite always making full payments on the due date [2][4]. - The bank's policy states that payments made after 23:00 on the due date are considered late, resulting in interest charges [3][4]. - The bank's customer service indicated that the interest was due to the customer not adhering to the agreed repayment method, which includes a one-day grace period for payments [10][11]. Group 2: Comparison with Other Banks - Other banks typically offer a grace period of 3 to 5 days for credit card repayments, allowing customers to avoid interest charges if payments are made within this timeframe [12][13]. - The article notes that the majority of banks provide a grace period without requiring customers to apply for it, contrasting with the practices of the bank in question [13][14]. Group 3: Industry Standards and Recommendations - The China Banking Association advocates for banks to provide a grace period for repayments, suggesting that this should be at least three days [16]. - Experts argue that banks should not penalize customers for technical delays in payment processing and should ensure clear communication regarding repayment policies [17][18]. - Recommendations for consumers include proactively managing repayment strategies, such as confirming payment deadlines and utilizing real-time payment channels [18].