The grace period varies from bank to bank, mostly three days. Some banks will report their credit as long as they don't repay on time.

At present, the new version of credit information has been launched. Unlike the old version, the old version updates the credit database once a month, but it is not fixed on which day. The new version of credit reporting requires institutions to submit data to the credit reporting center at the collection time T+ 1. In other words, the data collected at 10 this month must be reported at 1 1. After reporting, the central bank will update the credit report this month, and the latest credit information will be displayed after the update is successful.