You can probably understand it this way. The so-called "three phases" of the bank refers to the revolving credit extension with more than three cycles. Generally, one cycle is 1 month, and at the same time, you will have a billing date and a repayment date (that is to say, you have an interest-free period, for example, your billing date is 12 per month, but the repayment date of next month is 1, so your interest-free period can be reached at the longest.

How many days doesn't matter. What's important is that if the third issue is not returned, it will be blacklisted and form a bad record, which can be found by banks and some financial institutions all over the country. Some units will require credit records when recruiting. It will take at least five years to get rid of it (of course, you must not have any bad records in these five years)

So return it right away.