The relevant policies of ICBC credit cards do not provide a three-day grace period.

If you fail to repay the loan by the due date, overdue penalty interest will be incurred and your personal credit record may be affected.

Therefore, it is recommended that you repay your loan on time to avoid overdue fees and damage to your credit record. If there are special circumstances that prevent you from repaying the loan on time, you can contact the ICBC customer service hotline 400-669-5566 to inquire about relevant solutions.