The grace period of CITIC Credit Card repayment is 3 days, that is to say, if the user forgets to repay on the credit card repayment date, there will be a grace period of 3 days after repayment. Repayment within this period will not be regarded as overdue by the bank. However, if the user's repayment time exceeds these three days, the bank will regard the user as overdue and report the risk to the central bank's credit information system. So in this respect, users must pay attention to the debate.

In fact, the grace period here refers to the time-tolerant service of banks. This is to prevent users from forgetting to repay on the repayment date. In addition to time tolerance service, CITIC Bank also provides tolerance service. The tolerance amount is 10 yuan. When the user returns the credit card, if the unpaid part is less than or equal to 10 yuan, it will be regarded as full repayment.

Although CITIC Credit Card provides users with time tolerance service, it is best for users to avoid using this service in the daily repayment process. Because in this time-tolerant service, if the user is also negligent, it is likely to cause bad credit. In addition, time tolerance service is often used. In the credit card carrying system, it is easy to be judged by the system that the user's qualification is low, which will affect the future credit card withdrawal.