The contractor bank provides credit card users with a three-day repayment grace period. Generally, the cardholder will deposit the current repayment amount into the credit card within three natural days after the due repayment date stipulated in the bill, and the contractor's bank will deduct it before 24 o'clock on the third natural day after the repayment date. Once the deduction is successful, it will be regarded as the cardholder's repayment on time. Otherwise, it will be treated as overdue repayment. Once overdue, a late fee will be levied on the unpaid part at the interest rate of five ten thousandths per day, and the overdue record will be reported to the personal credit information center.