If it is a China Merchants Bank credit card, the repayment date is fixed with the bill date. The bill will be issued on the day of the statement. The repayment must be made before the repayment date. The repayment date is 18 days after the bill date.

According to the "China Bank Card Industry Self-Discipline Convention", China Merchants Bank credit cards have a default grace period of 3 days. If your payment is received within 3 days of the final payment date, overdue payment will not be calculated and there will be no late payment fees or interest. , it is recommended that you repay on time in the future to avoid overdue payments. 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.