ICBC currently does not provide a repayment grace period for cardholders, which means that as long as users fail to repay within the specified period, they will become overdue.

1. Credit cards have two very important dates, the billing date and the repayment date. If the cardholder is not clear about these two dates, it is easy to miss the repayment date and cause overdue payment. In fact, most banks have a grace level for overdue payments, that is, when the credit card repayment date arrives, you can postpone the repayment for a few days.

2. In 2013, the "China Bank Card Industry Self-Discipline Convention" promulgated by the China Banking Association mentioned the content of "time-tolerant service". The so-called time-tolerance service refers to the repayment grace period. , as long as the credit card user can repay the balance within the grace period, the bank will regard the cardholder as repaying the loan on time, and there will be no overdue fees or credit citations.

Currently, most banks provide credit card users with grace periods. The grace period is usually 1-3 days, but different banks have different repayment grace periods.

3. The time-limited service regulations of some banks:

1. Agricultural Bank of China: Agricultural Bank of China provides credit card users with a 2-day grace period for repayment. If you pay on the due date, you can pay off the debt within 2 days after the due date.

2. China Construction Bank: China Construction Bank provides a longer repayment grace period. China Construction Bank has a 5-day repayment grace period, as long as the cardholder pays off the debt within the 5-day grace period. .

3. Bank of Communications: The grace period of Bank of Communications is 3 days. Cardholders need to pay off the balance before 9 pm on the third day after the payment date at the latest, otherwise it will be overdue.

4. Shanghai Pudong Development Bank: The repayment grace period of Shanghai Pudong Development Bank is also 3 days. The repayment deadline is before 19:00 on the third day. As long as the repayment is made within this time, Shanghai Pudong Development Bank will be regarded as a user. Pay off your loan on time.

5. Industrial and Commercial Bank of China: Friends who use ICBC credit cards should pay attention. ICBC currently does not provide credit card users with a repayment grace period, which means that as long as the user fails to repay within the specified period, it will happen. Overdue.