Before 24:00 on the second day of the final payment date. China Construction Bank provides its credit card holders with a 2-day grace period for credit card repayment. Repayment within the 2-day grace period is deemed to be repayment on time. In addition, if the repayment is not successful on the day due to transfer time differences and other reasons, and the repayment amount is received before 7:00 am on the third day after the due payment date, China Construction Bank will still regard it as normal repayment. If the latest repayment time limit is exceeded, the overdue loan repayment record will be reported to the central bank for credit reporting. The grace period for repayment of China Construction Bank credit cards is three days.

If the cardholder fails to repay the payment on the Construction Bank credit card repayment date, then as long as the cardholder repays within the three-day grace period, it will not be considered overdue and no penalty interest will be charged. However, if If the cardholder fails to repay within the three-day grace period, it will be considered as overdue repayment. In this case, China Construction Bank will upload the overdue record to the central bank's credit reporting system, which will leave a bad mark on the cardholder's personal credit record. Record.

Do you need to call to apply for the grace period of China Construction Bank Credit Card?

No, you do not need to call to apply for the grace period of China Construction Bank Credit Card. China Construction Bank provides CCB credit card holders with a 2-day grace period for repayment. Repayments within the grace period are deemed to be repayments on time. If the repayment is not successful on the day due to transfer time differences and other reasons, and the repayment amount is received before 7:00 am on the third day after the due payment date, China Construction Bank will still regard it as normal repayment.

Legal basis:

Article 196 of my country’s Criminal Law

and relevant judicial interpretations stipulate that credit card holders intend to illegally possess , overdraft exceeding the prescribed limit or within the prescribed period and not returning it after being called by the card-issuing bank is a malicious overdraft. If the amount is more than 5,000 yuan, it constitutes a crime of credit card fraud.