If the cardholder spends money on the credit card account of CITIC Bank and can credit it, then the current bill needs to be repaid on the current repayment date. If it is recorded after the next day or after full repayment, it will be repaid according to the next bill.

For example, the cardholder's daily repayment date is 10. If the cardholder fails to repay in full on or before 10, the consumption of that day needs to be repaid on 10. If he repays in full on the 8th, the consumption of that day will be credited to the next card account. There is no need to pay this month.

Failing to pay it back within the time limit, because it will not only default interest, but also have a bad credit record, which will have an adverse impact on future consumption. It is recommended to repay on time or choose to repay by installments, and do what you can when you spend.

Extended data:

The final repayment date of CITIC Bank's credit card is 19 days after the bill date (except for business cards and rebate cards). For example, if the billing date of the customer is 10 every month, the due repayment date is 29th of every month (inclusive). Please pay attention to the bill for the specific repayment date.

The timeliness service of CITIC Bank credit card refers to the grace period service provided by the cardholder within a certain period of time. Under normal credit card conditions, if you can't repay in time, CITIC Bank will automatically provide you with a three-day delay service, and repay in real time according to the bill before 20:00 on the third day. There is no need to apply, and the credit line will not be affected.