a delay of three days is ok. The credit card of Guiyang Bank has a three-day grace period after the repayment date. As long as it is repaid within the grace period, it can be counted as timely repayment. If it is more than three days, and the repayment is not made on time within the grace period, it will be regarded as overdue, that is to say, all the consumption in the bill will not enjoy the interest-free period, and the interest will be .5%, in addition to the late payment fee.

In fact, if repayment is difficult on the repayment date, you can choose the minimum repayment amount and installment repayment. However, using these two repayment methods, users still need to pay some interest. Therefore, it is recommended to repay the loan in full and on time within the grace period as far as possible, so that no cost will be incurred.

There are two points to be noted about the minimum repayment:

1. If the repayment amount is less than the minimum repayment stipulated by the bank, it will also be considered overdue, and the interest will be .5%. In addition, a late fee will be charged at 5% of the unpaid minimum repayment amount.

2. If the repayment amount is greater than or equal to the minimum repayment and less than the full repayment, you need to pay interest at .5%.

repayment method of Guiyang Bank's credit card:

1. Self-service terminal repayment: you can use Guiyang Bank's debit card to transfer repayment at ATM, or use credit card to deposit with or without card in the deposit and withdrawal machine.

2. Counter repayment: Cardholders can make repayment directly at Guiyang Bank outlets, by cash or transfer.

3. Self-deduction repayment: the cardholder can use the debit card of Guiyang Bank to bind with the credit card, and then start the automatic repayment business, and the bank will automatically deduct the corresponding amount when the repayment date comes. The way of binding can be filled in the credit card application form when you apply for a card for the first time, maybe online banking binding, maybe telephone banking binding, or maybe counter binding.

4. mobile APP repayment: repayment can be made by transfer through mobile banking, that is, downloading the APP of Guizhou Bank on the mobile phone and making repayment by transfer on the APP.

5. online banking repayment: that is, I use my online banking self-service transfer in Guiyang Bank to repay. If it is the online banking repayment of other banks, please choose the branch of Guiyang Bank Co., Ltd. as the transfer bank. If you can't remember the branch where you opened the account, please choose Guiyang Bank Co., Ltd. or call Guiyang Bank's 24-hour customer service telephone number for inquiry.

6. repayment by transfer from other banks: repayment by transfer can be made through online banking and mobile banking of other banks.