Generally speaking, credit card payments can be automatically deferred without application. Banks should provide "time tolerance services" and "tolerance services" to credit card users. As long as repayments are completed within the grace period, personal credit will not be affected. If you still need to extend your repayment after the grace period, you need to call the customer service number of the bank's credit card center to apply.

1. The credit card repayment date, also known as the final payment date, is the last date on which the credit card issuer requires the cardholder to return the due amount. That is, after the issuing bank issues the draft, you should pay all fees you incur before the maturity date. In fact, the maturity date is the last day of the interest-free repayment period. Prior to this, payments were interest-free, and overdue interest and late fees would apply.

2. After the final credit card payment date arrives, it can be extended for 3 days. Generally, we call the extended 3 days the grace period for repayment. As long as the repayment is made promptly within these 3 days, the user will not be charged any penalty, nor will it have any impact on the personal credit report.

3. Of course, any platform can allow borrowers to repay their loans in advance. Just like if a borrower applies for a loan of 10,000 yuan, the initial repayment period is 12 months, but if the customer is able to repay the remaining amount in the fourth month, the repayment party can pay it off . However, one thing to note is that repayment also requires payment of all related handling fees incurred during the remaining period of the repayment period. That is to say, the longer the application date, the higher the fees.