2025.07. 19 本文字数：2593，阅读时长大约4分钟 作者 | 第一财经 安卓 "信用卡还款日还款为何6年被收1.2万元"，7月18日该话题一度登上了热搜。一名广发银行信用卡持卡 人在社交平台上发文称，她2018年申办了广发信用卡，此后从未逾期、从不只还最低还款、也不做分 期，但最近查账的时候却发现，2018年到现在合计被扣罚了12755.94元。 对此，第一财经致电广发银行，该行信用卡中心回应称，"信用卡逾期"是指客户未在信用卡账单到期还 款日（含宽限期）前还够最低还款额；"利息"是指客户在最后还款日（含）前未偿还全部欠款的情况 下，对账单周期内的全部非预借现金交易欠款收取利息。 "二者不存在绝对的因果关系。简单来说，不逾期不等于不产生利息。"该行信用卡中心称，该客户的利 息主要是未按时全额还款而产生的利息。 当日还款不代表当日到账 据该广发银行信用卡持卡人称，她最近查账的时候发现广发信用卡在2025年3月扣了一笔279.75元 的"广发利息"，而进一步查询发现，从2018年到现在，她的该行信用卡一共被扣了1.2万元左右的利 息。"（我）从来没有逾期、从不最低还款，也不做分期。"她接受采访时表示， ...

Core Viewpoint - The article discusses the complexities and issues surrounding credit card interest charges, particularly focusing on a case where a customer incurred significant interest despite never missing a payment, highlighting the need for clearer rules and potential reforms in credit card interest calculation methods [1][9]. Group 1: Customer Experience and Issues - A customer of Guangfa Bank reported being charged approximately ¥12,755.94 in interest from 2018 to 2025, despite never being late on payments or only making minimum payments [2][5]. - The bank clarified that not being overdue does not equate to avoiding interest charges, as interest is applied to any unpaid balance after the due date [1][8]. - Delays in payment processing can lead to unexpected interest charges, as payments made on the due date may not be credited until the following day, resulting in interest accrual [5][6]. Group 2: Bank Policies and Practices - Guangfa Bank's credit card center stated that they follow a policy where payments made after 23:00 are considered as received the next day, which can lead to interest charges if the full amount is not paid [5][7]. - The bank initially offered a one-day grace period for payments, which has since been extended to three days for certain customers starting in 2024 [7][9]. - The bank's response to customer disputes included offering fee waivers for certain cases of delayed payments [5][7]. Group 3: Expert Recommendations and Industry Standards - Experts suggest that the current interest calculation methods are complex and vary by bank, leading to confusion among consumers [9][11]. - There is a call for reform in credit card interest calculation, proposing a shift from full balance interest calculation to a method that considers only the unpaid portion if a certain percentage of the total amount is paid [9][10]. - The existing "grace period" and "tolerance" policies do not adequately address the issue of interest calculation, and a new approach could help alleviate conflicts between banks and consumers [10][11].