CITIC Bank provides credit card holders with a three-day grace period for repayment, which means that as long as the cardholder succeeds in repayment within three days after the final repayment date of the credit card, the bank will consider the repayment on time and will not generate overdue interest.

Note that repayment must be made before 20: 00 pm on the last day of repayment grace period, otherwise CITIC Bank will charge overdue interest.

2. Tolerance service

When the outstanding part of the credit card is less than or equal to 10 yuan, it is deemed as full repayment.

In addition, if the cardholder calls in advance to apply for repayment, the grace period can be extended to five days at the longest. If the cardholder cannot repay on time due to force majeure, the cardholder should explain the situation to the bank staff, negotiate the repayment plan, or extend the grace period.