There is no difference. As long as it is the repayment date, it can be repaid at any time. On the day of the last grace period, some banks will set a repayment deadline, such as 5 pm, so if you repay at night, it will be considered as overdue by the user because the repayment deadline has passed. Therefore, to be on the safe side, users are advised to choose to repay in the morning. No matter how the bank sets the repayment period, there will be no mistakes in repayment in the morning. Here, I still want to emphasize the consequences of credit card non-repayment. The debtor shall pay extra overdue interest and liquidated damages; The debtor's personal credit report may produce bad records; It may be enforced after being sued by the court, so we return the credit card in time.