The grace period for China Merchants Bank credit card repayment date is 3 days.

First, China Merchants Bank will have a three-day grace period. If the three-day grace period is exceeded, a credit report will be filed. You can negotiate with the bank. According to the credit card management regulations, if the overdue payment is caused by force majeure factors, the bank will It can be reported to the credit reporting agency for correction. Force majeure means that it was not intentional on your part, but was caused by other things. You were unable to repay the loan on the repayment date, so it was overdue. For example, you were hospitalized for more than 20 days, did not receive a repayment text message reminder, etc. These are not caused by you. If the payment is overdue, you can report it to the bank to eliminate the overdue payment. The problem cannot be solved with one phone call, it requires multiple communications.

Second, most banks generally have a "time tolerance" service, which is simply a grace period and grace limit for credit cards. If the cardholder repays the loan within the grace period, it will not be considered a breach of contract; similarly, within the grace period, if the cardholder forgets to repay some amount after paying off the loan, there will be no penalty interest and credit will not be affected. In 2013, the China Banking Association issued the "China Bank Card Industry Self-Discipline Convention", requiring banks to provide cardholders with time difference tolerance services, with a tolerance period of at least 3 days and a tolerance amount of at least the equivalent of RMB 10. That is to say, for most banks, if the overdue amount is less than 3 days and the overdue amount is less than 10 yuan, it will not be reported to the credit reporting center, and when the cardholder fails to repay in time, the time service will be automatically activated.

Three, but special attention should be paid to this: ICBC does not have time-limited services, that is, even one day overdue will be counted. In addition, GF's extended-time service can only be enjoyed once a year, and it is only for one day, and the cardholder must call in advance to apply for the service. Although many banks will automatically open the credit limit, for the sake of insurance, it is recommended that if you forget to repay the loan, you still call the bank’s customer service number for consultation and application, just in case.

Fourth, when you apply for a credit card, the bank has already selected the billing date and repayment date for you. You can check it yourself; the billing date and repayment date of different credit cards are different, and it has nothing to do with the bank. The payment date is generally between the 18th and 30th day after the bill date. For example, if the landlord's bill date is the 21st and the repayment period is 20 days, then the repayment date will be the 10th of each month. The 10th of every month is the final repayment period. If the landlord issues the bill on January 21st, then February 10th is the final repayment date, which means the repayment date is the final deadline for repayment.