If the credit card holder of CITIC Bank fails to repay in time, the bank will automatically provide a three-day delay service, as long as the cardholder repays the amount on the bill to the corresponding credit card in real time before 20: 00 on the third day.

This means that the cardholder will pay off the debt within 3 days after the repayment date, and will not generate additional interest and expenses. This grace period provides cardholders with some flexibility to avoid overdue repayment due to temporary negligence.