Legal basis: According to Article 14 of China Bank Card Industry Self-discipline Convention, member units should strive to improve the quality of credit card services, provide personalized service for cardholders, advocate card issuers to establish "tolerance service and time-tolerant service" for credit card repayment, or give interest relief to the part of credit card overdraft within the interest-free repayment period:
(1) When providing "time-tolerant service" to cardholders, member units shall provide cardholders with a repayment grace period of a certain period, and the repayment grace period shall be at least 3 days from the due repayment date; If the cardholder repays within the repayment grace period, it is deemed that the cardholder repays on time.
(2) Member units provide "tolerance service" for cardholders. If the cardholder fails to repay in full in the current period, and the unpaid part in the account after the due repayment date is less than or equal to a certain amount (at least equivalent to RMB 10 yuan), it is deemed that the cardholder has repaid in full.