According to the "China Bank Card Industry Self-Discipline Convention", China Merchants Bank credit cards have a default grace period of 3 days. If your payment is received within 3 days after the final repayment date, overdue payment will not be calculated and there will be no penalty ( Previously it was late payment fees) and interest. It is recommended that you repay on time in the future to avoid overdue payment. For example: if the last repayment date is the 5th of each month, then the repayment must be made before 24:00 on the 8th of the month. This will not affect your personal credit, and you do not need to actively apply for this service.