China Merchants Bank Credit Card (including e-installment) has a 3-day repayment grace period every month, and there is no need to apply.

Paying off the bill or the minimum repayment amount within 3 days after the repayment date will not affect your credit history.

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For example, the final repayment date is the 5th, and the repayment is postponed to 24: 00 pm on the 8th of that month, which is a normal repayment.

If the minimum repayment is not made within 3 days after the repayment date, it is overdue. Overdue will generate liquidated damages and interest, which will affect personal credit and subsequent loan applications. It is recommended to return the money to the credit card as soon as possible.

(reply time: March 8, 202 1. Please refer to the latest business changes announced by China Merchants Bank in official website. )