If it is a China Merchants Bank credit card, if the payment is not repaid three days after the repayment date, there will be a bad record. In accordance with the "China Bank Card Industry Self-Discipline Convention", our bank provides credit card customers with a 3-day repayment grace period free of charge. For example: if the last repayment date is the 5th of each month, then the repayment must be made before 24:00 on the 8th of the month. This will not affect your personal credit and there is no need to actively apply for this service.