Three days. Currently, the time-sensitive repayment service (repayment grace period) of Bank of Communications credit cards means that the cardholder repays through designated repayment channels three days before (inclusive) the final repayment date, and the repayment is repaid when it is due. If the repayment is credited through the designated repayment channel before (inclusive) the third day in the future, it will be deemed to be repaid on time. In other words, the grace period for Bank of Communications credit card repayment is 3 days. If the payment is not made in full 3 days after the payment due date, the credit card is considered overdue. For example, if your repayment date is the 25th of each month, and it is postponed for three days, that is, repayment within the three-day grace period from the 26th to the 28th, it can be counted as on-time repayment. Even if the 28th is a weekend, it will be counted as one day. In addition, the grace period deadline for Bank of Communications credit card repayment is 9 pm on the third day. Note that the repayment must be received before the end of the repayment grace period, otherwise it will be considered overdue.

The grace period of Bank of Communications' credit card is 3 days, so users can only defer repayment for 3 days at most. If the payment is not repaid for more than 3 days, it will be considered overdue.

After your credit card is overdue, Bank of Communications will calculate your interest and charge liquidated damages, and the interest will be compounded on a monthly basis.

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