China Merchants Bank Credit Card (including e-installment) has a 3-day repayment grace period every month, and there is no need to apply.

Paying off the bill or the minimum repayment amount within 3 days after the repayment date will not affect your credit history.

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For example, the final repayment date is the 5th, and the repayment is postponed to 24: 00 pm on the 8th of that month, which is a normal repayment.

If the minimum repayment is not made within 3 days after the repayment date, it is overdue. Overdue will generate liquidated damages and interest, which will affect your personal credit and subsequent loan application. I suggest you return the money to your credit card as soon as possible.

(reply time: March 23, 202 1. Please refer to the latest business changes announced by China Merchants Bank in official website. )