Not all ICBC credit cards can be extended. If there is no grace period, they must be repaid on the repayment date. Some industrial and commercial credit cards have a three-day grace period for repayment, so after the repayment date, the repayment can be deferred for three days. Repayments within these three days will be regarded as normal repayments by users, and no overdue interest will accrue.

Users can directly call the ICBC customer service hotline to check whether there is a grace period for their credit card repayments. If not, they must repay on time.