If the credit card holder of CITIC Bank voluntarily applies to CITIC Bank for delayed repayment service before the repayment date, the grace period for repayment can be extended to 5 days, and repayment within 5 days after the repayment date will not be regarded as overdue by the cardholder. If the user is unable to repay the loan temporarily, he can also call the customer service hotline of CITIC Bank and apply to the bank for deferred repayment.
For example, the user's monthly repayment date is 10. If the cardholder fails to apply for deferred repayment, CITIC Bank will automatically provide the user with a three-day grace period, that is, before 20: 00 on 13, if the user can pay off the current arrears, then the bank will calculate the normal repayment of the bank; If the user applies for deferred repayment in advance, the bank will also calculate the normal repayment of the user before 20: 00 on 15. If the repayment grace period is exceeded, CITIC Bank will charge overdue interest to users and upload overdue records to the credit information system. In addition to providing grace period service for users, CITIC Bank also provides tolerance service for users. If the outstanding amount of the credit card holder is within 10 yuan, the bank will treat the user as full repayment.
For some careless credit card users, the grace period for repayment provided by CITIC Bank is more humane. If users miss the repayment date, they will have the opportunity to make savings within 3 days. In order to prevent users from missing the repayment period, cardholders can choose automatic repayment by binding their accounts, and the banking system will automatically deduct money on the repayment date.