CMB credit card has a grace period of 3 days by default. If your payment is received within 3 days after the final payment date, overdue payment will not be calculated and there will be no penalty (previously late payment penalty) and interest. It is recommended that you Repay your loan on time to avoid overdue payments. For example, if the last repayment date is the 28th of each month, repayment before 24:00 on the 31st of the month will not affect your personal credit, and there is no need to actively apply for this service.

(Response time: June 12, 2019, please refer to the official website of China Merchants Bank for the latest business changes)