1. Under normal circumstances, the bank will consider the customer's card usage to decide whether to accept the application for deferred repayment. The deferred repayment time cannot be too long, and the longest time cannot exceed the next billing date. Most importantly, each cardholder can only enjoy this service once a year.

2. Many joint-stock banks, including China Merchants Bank, Bank of Communications, Huaxia Bank, China CITIC Bank and Shenzhen Development Bank, can provide customers with credit card deferred repayment services.

3. Among the four major state-owned banks, China Construction Bank (CCB): If customers call ahead to explain the reasons, they can also apply for an extension of repayment, but only for one day.

4. ICBC and Agricultural Bank of China: The bank has not delayed credit card repayment for the time being. If the customer fails to repay the loan within the time limit, the penalty interest will be charged immediately.

5. Postal Savings Bank: At present, the repayment period of postal savings to customers is extended from 10 days after the bill date of other banks to 20 days, and delayed repayment service is no longer provided.