Credit card users of China Construction Bank can enjoy a grace period of repayment, which is 5 days. Specifically, if your bill is due to be repaid on the 1th of each month, as long as the repayment is completed before the 15th, no matter when the money is credited, it will be regarded as timely repayment, which will not have a negative impact on your credit record and will not generate additional expenses. However, it should be noted that the grace period refers to the deadline for repayment. If the payment is submitted within the grace period, but the actual arrival time exceeds the grace period due to the long processing time of the bank, it may be regarded as overdue. Therefore, it is suggested that CCB's own channels, such as online banking or ATM, should be given priority in repayment, because these channels usually arrive in 1-2 days to avoid repayment problems caused by delayed arrival. Inter-bank or third-party repayment may increase the risk of late arrival due to the time difference between bank transfers, so please try to avoid it.