There is a three-day grace period.

According to the "China Bank Card Industry Self-Discipline Convention":

Article 14 Member units should strive to improve the quality of credit card services, provide cardholders with humanized card services, and advocate Each credit card issuer has established a "tolerance service and a time-tolerance service" for credit card repayment or provided interest reduction and exemption discounts for the portion of the credit card overdraft that has been repaid during the interest-free repayment period:

(1) Member units provide cardholders with "time-tolerant services" and should provide cardholders with a certain period of repayment grace period service. The repayment grace period shall be at least 3 days from the due date of repayment. When repaying within the time limit, the cardholder shall be deemed to have repaid on time.

(2) Member units provide "tolerance services" to cardholders. If the cardholder has insufficient repayment in the current period, and the unpaid portion of the account after the due repayment date is less than or equal to a certain If the amount is at least RMB 10 equivalent, it shall be deemed to have been repaid in full by the cardholder.

Extended information:

According to the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks":

Article 92

Commercial banks shall Classified management of credit card risk assets is implemented. The classification standards are as follows:

(1) Normal category: The cardholder can repay the amount payable in full before (inclusive) the due repayment date in accordance with the pre-agreed repayment rules. . ?

(2) Category of concern: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is between 1 and 90 days (inclusive). ?

(3) Sub-category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is 91-120 days (inclusive). ?

(4) Suspicious category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is 121-180 days (inclusive). ?

(5) Loss category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days exceeds 180 days. Commercial banks are encouraged to adopt more prudent credit card asset classification standards on the premise that the business system can support it, the classification operations are legal and compliant, and the classification methods and data calculation methods have been approved by the China Banking Regulatory Commission and its relevant agencies.

Continue to pay attention to and regularly compare important risk management indicators related to reserve accrual, risk asset measurement and other aspects, and take corresponding risk control measures.

Article 93

Commercial banks shall establish and improve credit card business operational risk prevention and control systems and emergency plans to effectively prevent operational risks. The following risk assets should be directly included in the corresponding categories:?

(1) Risk assets caused by cardholders applying for and using credit cards through fraudulent means, once confirmed, should be directly included in the doubtful or loss category . ?

(2) Risk assets caused by internal crimes or internal and external collusion should be directly included in the doubtful or loss category. ?

(3) Risk assets caused by system failures and operational errors should be directly included in the doubtful or loss category. ?

(4) Risk assets that have not yet been repaid after signing a personalized installment repayment agreement should be directly included in the substandard or doubtful category.

Baidu Encyclopedia-China Bank Card Industry Self-Discipline Convention