Yes, there is a grace period for CITIC Bank's cigarette business loan. As of July 20 13/day, according to the "Time Tolerance" of the new version of China Bank Card Industry Self-discipline Convention, if the unpaid part of the credit card is less than or equal to 1 0 yuan, it will be regarded as full repayment, and if the repayment is delayed for less than 3 days, no penalty will be charged. This Convention is only an industry self-regulatory document and is not mandatory. Therefore, not all banks have launched timeliness services. CITIC Bank's "time-tolerant service", that is, CITIC Bank provides cardholders with a three-day repayment grace period; If the cardholder repays within the repayment grace period, CITIC Bank will consider the cardholder to repay on time. If the unpaid amount is less than 10 yuan and the repayment is successful within 3 days after the due repayment date, there will be no late payment fee and overdue.