the grace period is three days, which means that the latest repayment time of the cardholder is 18: on the third night after the repayment date. After this time, the user's overdue repayment is considered. After the overdue repayment, Bank of Communications will calculate the user's interest and calculate the user's liquidated damages, which will also affect the user's personal credit information. However, it is not so strict. Bank of Communications is still humanized. As long as it is not too overdue, it is possible to avoid expectations by contacting customer service for negotiation.