Generally, the grace period of China Merchants Bank credit card is 3 days. After the repayment date, the bills that need to be settled at present will be repaid in full or at minimum within 3 days, so that even if the cardholder repays normally, there will be no overdue record. If the bill that should be paid off is not paid off after 3 days, there will be overdue bills, which will also be recorded in his personal credit report.