Credit cards can delay repayment without application. According to the China Convention on Self-discipline of Bank Card Industry, banks should provide "time tolerance service" and "tolerance service" for credit card customers. Different banks may have different repayment grace periods. Banks usually have a grace period of at least 3 days for repayment. As long as the money is repaid within 3 days, there will be no interest and penalty. According to the regulations of the bank, generally, the completion of the minimum repayment amount before the third day after the deadline 18: 00 will not be considered overdue, and the credit history will not be affected.

Legal objectivity:

Article 577 of the Civil Code: If a party fails to perform its contractual obligations or fails to meet the contract obligations, it shall bear the liabilities for breach of contract such as continuing to perform, taking remedial measures or compensating for losses. Article 675 The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time. Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.