The grace period for CCB credit card repayment is 3 days. Users who owe money need to pay off their debts within 3 days or adopt installment or minimum repayment methods. If the repayment exceeds the third day, the bank will charge a certain fee, that is, a late payment fee, and the user's credit rating will also be adversely affected.

The grace period means that if the cardholder repays the loan within a period of time after the due payment date, by applying to the credit card center, the corresponding interest and late payment fees can be exempted and the bank will not record a bad credit record. This is This period of time becomes the credit card grace period.

Generally, the repayment grace period of bank credit cards is called "time-tolerance service". After this period, if the user has not made repayment, China Construction Bank will report the overdue record to the central bank's credit reporting system, which will have a great impact on future loans.

Cardholders who apply for credit cards, car loans, mortgages, etc. from each bank within the next five years may be denied. If it is overdue, China Construction Bank's overdue payment standard is that the minimum repayment amount does not exceed 5%.