如果持卡人迟还欠款，通常会被计收财务费用，免息期也就不存在了。是否收取财务费用要看免息期限和欠款余额。

Usually, if a customer is late paying the balance, finance charges will be calculated and the grace period does not apply.

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在佛罗里达州，住房按揭借贷人平均拖欠贷款518天就会被法院强制执行抵押房产拍卖，仅低于纽约的561天欠款期限。辨方律师还强调说，他们可以把欠款期限拖的更长。

In Florida, the average property spends 518 days in foreclosure, second only to New York's 561 days. Defense attorneys stress they can keep this number high.

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