Failure to charge the Agricultural Bank of China credit card may result in overdue payment. Normally, the system will automatically deduct the repayment from the bound bank card on the repayment date or on the due date. If the deduction fails, the repayer needs to manually repay within the grace period. Otherwise, after the grace period is exceeded, the overdue behavior will be recorded by the central bank's credit investigation system.

However, if the repayment is made manually within the grace period or immediately after the deduction fails on the day, the repayer will not be overdue.

In addition, if the amount owed is less than 10 yuan, even if the deduction fails, as long as the bank has time-zone services, the amount owed less than 10 yuan will be regarded as normal repayment and will not be considered overdue.

For more details, please consult bank customer service.