The credit card grace period of China Construction Bank is 3 days. Repayment by users within the repayment grace period is regarded as timely repayment. If the repayment on the same day is unsuccessful due to transfer time difference and other reasons, please ensure that the repayment amount is received before 16: 00 on the third day after the due repayment date (the agreed repayment must be received before 7: 00 on the third day after the due repayment date), which is regarded as normal repayment.

CCB will provide 3-day tolerance service for credit card customers. There is no need to apply for this service, and the time is the third day after the repayment date. If repayment is made within the grace period, CCB will still regard it as normal repayment. However, due to various reasons, it has been delayed. Please make sure that it arrives before 7: 00 am on the third day after the repayment date. Arriving after 7 o'clock is considered overdue.

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1. During the more than 20 years from 1954 to 1978, CCB mainly undertook the responsibilities of centralized handling of national capital construction budget allocation and enterprise self-raised funds allocation, supervising the rational use of funds, issuing short-term loans to construction enterprises, and handling basic business settlement business. Since the late 1970s and early 1980s, China Construction Bank has continuously expanded its banking functions while inheriting its original functions. It has successively launched credit fund loans, residents' savings deposits, foreign exchange business, credit card business, policy-based housing reform finance, personal housing mortgage loans and other businesses.

2. After more than ten years of reform and development, various businesses of China Construction Bank have developed rapidly, and the credit assets and liabilities have increased dozens of times. From a bank that only manages financial funds and supervises infrastructure allocation, it has developed into a national professional bank that operates both financial investment credit business, fixed asset investment credit and supporting liquidity loans, both domestic financial business and international financial business, with medium and long-term credit as its main business.

3. Personal housing loan business refers to the loans issued by China Construction Bank or natural persons entrusted by China Construction Bank to purchase, build and overhaul various types of housing in Chinese mainland cities and towns. CCB's personal housing loan business mainly includes personal account housing loan and personal housing mortgage loan (including personal first-hand housing loan, personal second-hand housing loan, second-hand housing loan, personal commercial housing loan and personal housing mortgage loan). ), provident fund personal housing loans and personal housing portfolio loans.