Three days. According to Article 14 of China Bank Card Industry Self-discipline Convention, Bank of Communications gives credit card holders a three-day grace period for repayment. Repayment before 18:00 on the third day from the repayment date shall be deemed as timely repayment. Assuming that the 20th of each month is the final repayment date, the cardholder should make repayment before 23rd of each month 18:00 at the latest. Overdue repayment records will be reported to the central bank for credit information.

Can I negotiate to repay the principal when the traffic credit card is overdue?

Of course. You need to call the customer service hotline of Bank of Communications, and then go to the artificial service to consult with the customer service. You can also go directly to the nearby Bank of Communications branch to consult the on-site staff. Under normal circumstances, as long as the overdue time is not long and there is no big difficulty in repayment, banks will understand consumers. However, banks will not easily agree to the negotiation of repayment, after all, they will lose more interest. At this time, we must try our best to gain the understanding of the bank and show a sincere attitude. The bank will negotiate according to the situation.