Legal analysis: Credit card repayment (including E installment) has a grace period of 3 days (no need to apply), and the delay in paying off the bill or the minimum repayment amount within 3 days from the repayment date will not affect the company's credit history.

Legal basis: Article 7 of the Law of People's Republic of China (PRC) Commercial Bank, when handling credit business, a commercial bank shall strictly examine the credit standing of the borrower, implement guarantee and ensure the timely recovery of the loan.

Commercial banks recover the due principal and interest of loans from borrowers according to law, which is protected by law.