It’s true; \x0d\ At present, most banks have implemented “grace time” services, and most repayment grace periods are 3 days. \x0d\For example, if the customer's repayment date is the 25th of each month, and it is postponed for three days, that is, the repayment is made within the three-day grace period from the 26th to the 28th, it can be counted as on-time repayment. If you pay the minimum payment, no late payment fees will be charged, only interest on the unpaid portion will be charged. If the full amount is paid, no interest will be charged. \x0d\　However, if the loan is not repaid within the grace period, the bank will charge both late payment fees and interest. The grace period deadline for China Merchants Bank credit card repayment is 12pm on the third day.