According to the latest regulations of CITIC Bank, CITIC Bank provides credit card holders with a three-day grace period for repayment. In other words, as long as the credit card holder succeeds in repayment within three days after the final repayment date, the bank will regard it as timely repayment and will not adversely affect personal credit. However, if payment is not made before the due date, it will be regarded as overdue payment. Therefore, the repayment must be made before 20:00 on the last day of the grace period, otherwise it will be regarded as overdue, which will not only cause a certain amount of late payment fees and interest, but also affect personal credit, even the bank will charge it, and may also face criminal problems.

Therefore, if you can't repay before the repayment date, you can call the customer service department of the bank to apply for an extension of the grace period, up to 5 days, so as to maintain a good credit record.

(1) "Tolerance service" refers to the cardholder's current arrears. No matter which repayment method is chosen, it should be regarded as the cardholder's repayment on time, leaving a bad credit record overdue, and overdue refund is the most critical, otherwise it will not only generate interest for the cardholder. Although banks have different remedies when they delay repayment, they usually have a grace period of 2-3 days. Normal repayment generally does not cause overdue impact, even if it is once, it should be regarded as full repayment by the cardholder, which will affect the timely repayment of credit.

② Credit card related repayment of CITIC Bank. Customers who have opened this service can establish an association between their current savings account and CITIC Credit Card, so as to transfer repayment between related accounts, including automatic transfer repayment. Customers who open this service for inter-bank repayment can associate their current savings accounts in other banks with CITIC Credit Card.

③ Alipay Repayment Log on to Alipay website and select "Credit Card Repayment". According to the operating instructions, use a debit card with online payment function issued by any of the following banks to repay CITIC Credit Card. The funds will arrive in real time without any handling fee.