The grace period for repayment provided by China Merchants Bank to credit card customers is three days. In other words, if the customer fails to repay the loan on time before the repayment date (inclusive), as long as the payment can be made within the next three days, no later than 24 o'clock on the third night, it will still be regarded as timely repayment and will not be counted as overdue. Of course, the repayment amount should not be lower than the minimum repayment amount of the bill, otherwise it will still cause overdue and affect the customer's personal credit.

and if the customer thinks that the bill amount is too high, even if there is a repayment grace period, he can't repay the minimum repayment amount on time, and he is worried that it will be overdue, then he can handle the bill installment as soon as possible before the repayment date comes. In this way, the installment part is to start monthly repayment from the next month (the installment part still needs to be paid off on time this month).

China Merchants Bank provides tolerance services in addition to time tolerance services. As long as the amount paid by the customer does not exceed RMB 1 or USD 1 compared with the bill amount, it will still be regarded as full repayment, and no additional interest and liquidated damages will be charged.