20 13 The China Banking Association's "China Bank Card Industry Self-discipline Convention" mentioned the content of "time-tolerant service". The so-called time-tolerant service refers to the grace period for repayment. As long as the credit card user can repay the loan within the grace period, the bank will consider the cardholder to repay the loan on time, and there will be no overdue charges and no credit investigation. At present, most banks provide time tolerance service for credit card users. The time tolerance is usually 1-3 days, but the repayment grace period varies from bank to bank.

The following are the time-tolerant service regulations of some banks:

1. Agricultural Bank: Agricultural Bank provides credit card users with a 2-day repayment grace period. If the cardholder fails to repay on the repayment date, it is ok to pay off the debt within 2 days after the repayment date.

2. CCB: The repayment grace period provided by CCB is long, and CCB has a five-day repayment grace period, as long as the cardholder pays off the debt within five days.

3. Bank of Communications: The grace period of Bank of Communications is 3 days, and the cardholder must pay off the debt before 9: 00 pm on the third day after the repayment date at the latest, otherwise it will be overdue.

4. Shanghai Pudong Development Bank: The repayment grace period of Shanghai Pudong Development Bank is also 3 days, and the repayment deadline is before the third day 19. As long as the repayment is made within this time, Shanghai Pudong Development Bank will be regarded as the user's repayment on time.

5. ICBC: Friends who use ICBC credit cards should pay attention. At present, ICBC does not provide credit card friends with a grace period for repayment, that is, as long as the user fails to repay within the prescribed time limit, it is overdue.