From the second day of the repayment date, that is, the third day after the repayment date. Of course, different banks have different deadlines for grace periods. Many banks closed at 24 o'clock on the third night, such as China Merchants Bank, Industrial and Commercial Bank of China and Ping An Bank. Some are not. For example, China Construction Bank stipulates that the deadline is 4 pm on the third day after the repayment date.

It should also be noted that some banks have a credit card grace period of less than three days, such as the Agricultural Bank, which only has a grace period of two days. It should be noted that if the repayment is not made on time before the repayment date (inclusive), the repayment must be made in time within the subsequent grace period, and the repayment amount is not less than the minimum repayment amount of the current bill, which is regarded as normal repayment and not overdue. If the repayment cannot be made within the grace period, it will naturally lead to overdue and overdue penalty interest, leaving a bad record in the customer's personal credit report and damaging the customer's personal credit.

Legal basis: Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks stipulates that under special circumstances, if it is confirmed that the credit card debt exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years.

What does the credit card grace period mean?

According to the regulations of the bank, if the cardholder fails to return the corresponding amount after the final repayment period, he needs to pay the corresponding interest and late payment fee, which may be entered into the bad credit record by the bank. However, in the actual operation process, there are many non-subjective reasons beyond control, such as: customers who automatically bind repayment cannot repay due to banking system failure, and use other repayment methods to repay, but the repayment amount on the last repayment date is not recorded. These non-subjective reasons have caused the grace period of credit cards.

After the above situation occurs, the cardholder can call the credit card center to explain the situation, and the customer service staff of the credit card center will exempt you from relevant fees according to the actual situation.