CITIC Bank provides a three-day grace period for repayment. Pay off before 20:00 on the third day, as timely repayment. If the repayment grace period is exceeded, it will be reported to the credit bureau. Cardholders are advised to repay on time, so as not to affect personal credit information.

If you are really unable to repay due to illness, natural disasters and other reasons, you can call the customer service hotline of CITIC Bank, provide relevant supporting materials and negotiate with CITIC Bank.