The grace period for Harbin Bank credit cards is three days.

Cardholders should call the bank’s manual customer service to apply before the final repayment date, and the payment can be made no later than 4 p.m. on the third day after the final repayment date.

If the cardholder repays the loan within the grace period, no overdue records and interest will be incurred. If the cardholder fails to pay off the debt within the grace period, the cardholder will be deemed Overdue repayment will not only affect personal credit, but will also result in the inability to apply for credit business in the future.

There is no grace period after the principal of Harbin Lilac IOU expires. The cardholder needs to pay off the outstanding amount before 6 pm on the day when the IOU expires.