Generally, banks will have a repayment grace period of about two days. This is the time reserved by the bank for the automatic deduction error of the system. As long as it's before seven o'clock in the evening. Because UnionPay is settled at 7 pm, if it is after 7 pm, it must be overdue.

Except for the four major banks, the grace period of other banks is three days (Guangfa can only apply once a year).

The interest-free period is 20 days except for ICBC, Agricultural Bank of China and Bank of Communications, but some banks treat it as 19 days in actual calculation, such as China CITIC Bank. It should be noted that if you apply for multiple credit cards from a bank, only a few banks need to pay back only one card. However, most banks still need to repay each bank card that generates consumption, commonly known as "repayment by card". Otherwise, even if you feel that you have completed the repayment, you will still have a credit record of default interest and non-timely repayment.