CITIC Bank's credit card will automatically provide you with a three-day grace period for repayment (delayed until 20:00 on the third day), and it is recommended that you repay in real time (such as CITIC Mobile Banking, Internet Banking, WeChat Wallet, Tenpay and Alipay). ).

For example, the final repayment on the 2 nd can be postponed until 20: 00 on the 5 th.

Repayment within the grace period does not generate fees and does not affect the credit history.

Extended data:

If CITIC Bank fails to repay in full, it will generate interest:

There are three main reasons why CITIC Bank's credit card generates interest during use:

1. Not fully repaid before the final repayment date, resulting in interest on consumption;

2. Cash withdrawal by credit card leads to cash withdrawal interest;

3. Credit card withdrawal/consumption interest will not generate interest (compound interest).

In addition to time tolerance service, CITIC Bank also provides tolerance service, as follows:

CITIC Bank credit card automatically provides tolerance service for customers. When the unpaid part of your account is less than or equal to RMB 65,438+00 after the due repayment date, it is deemed that you have fully repaid, and the unpaid part will be automatically transferred to the next bill.

Note: The minimum repayment allowance service is RMB/KOOC-0/Yuan/HK$/KOOC-0/Yuan/USD/KOOC-0/Yuan/Euro/KOOC-0/Yuan. When the difference between the customer's repayment amount and the minimum repayment amount is less than or equal to 1 yuan, the customer's current bill will not generate liquidated damages; When the difference between the customer's repayment amount and the minimum repayment amount is greater than 1 yuan, the customer's current bill will generate liquidated damages.

Introduction to common terms of CITIC Credit Card;

Credit card refers to a credit payment tool provided by banks and other financial institutions to their customers with the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Credit cards have the following basic functions:

1. overdraft: spend first, then repay (debit card)

2. Revolving credit line: it can be recycled within the credit line (that is, the credit card line can be used after repayment).

3. Interest-free repayment period: the interest-free preferential period for credit card consumption (non-cash withdrawal transactions) from the bank bookkeeping date to the repayment date.

4. Minimum repayment amount: according to the setting of the issuing bank, according to a certain proportion of the current bill.

References:

CITIC Bank Credit Card-What should I do if the credit card of CITIC Bank passes the final repayment date?

CITIC Bank Credit Card-Does CITIC Bank Credit Card have tolerance service?

China CITIC Bank-Credit Card Interest Reasons of China CITIC Bank

China CITIC Bank Credit Card-Credit Card Introduction