Delay the repayment period. According to the query on Xicai.com, it refers to the period of delayed repayment, which means that the repayment deadline has arrived, but the repayer can apply for a deferral of repayment if he does not have the ability to repay due to some reason. The time for deferred repayment varies from bank to bank, ranging from 1 to 5 days, and does not affect your credit.