the grace period for bank of communications credit card repayment is 3 days. According to Article 14 of the China Bank Card Industry Self-discipline Convention, Bank of Communications provides a 3-day grace period for the credit card holders of Bank of Communications, and the repayment before 18: pm on the third day after the repayment date is deemed as timely repayment. In other words, assuming that the final repayment date is the 2th of each month, the cardholder must pay off the bill by 18: at the latest on the 23rd of that month. If the repayment period exceeds the grace period, the overdue repayment record will be immediately submitted to the central bank for credit investigation.

in order to ensure that the repayment amount is recorded before 18: on the third day, it is suggested that you adopt the repayment methods provided by Bank of Communications, such as telephone banking repayment, online banking transfer repayment, ATM card transfer repayment, self-service deposit machine repayment, cash repayment at the counter of our business outlets, and mobile banking transfer repayment.

The time-tolerance service of Bank of Communications is automatically postponed, so it is unnecessary to call the manual customer service to postpone it.

The so-called time-tolerance service actually refers to the grace period for repayment. If the bank provides a grace period for repayment, as long as the cardholder can pay off the arrears within the stipulated grace period, the bank will regard it as the cardholder's repayment on time, which will not affect personal credit and will not cause overdue fees.

For example, if the repayment date of the Bank of Communications credit card is 2th of each month, because the Bank of Communications credit card has a three-day grace period, then the deadline for repayment is 23rd of each month. Although the Bank of Communications credit card has a three-day grace period, as a cardholder, you should try your best to pay off all the arrears before the repayment date. If the consumption amount is too high, you can choose to repay by installments. Once the Bank of Communications credit card is overdue, the consequences will be very serious.

Legal basis

Article 14 of China Bank Card Industry Self-discipline Convention states: "Member units shall provide cardholders with time-accommodating services, and shall provide them with repayment grace period services for a certain period of time, and the repayment grace period shall be at least 3 days from the due repayment date.