China Construction Bank's credit card repayment policy is more relaxed than other banks, and its repayment grace period is as long as five days. This gives cardholders more time to arrange repayment compared to the typical bank's three-day grace period. On the fifth day after the repayment date, even if the repayment has not been completed, China Construction Bank will regard this as a failure to repay on time, but usually will send a repayment reminder three days before the due date of the credit card to ensure that the user does not will be missed.

It is worth noting that the grace period is not unlimited. Once it exceeds five days, if the repayment is still not made, China Construction Bank will report the overdue record to the central bank’s credit reporting system, which may have a negative impact on the individual’s credit record. Negative impact on future loan applications. Therefore, it is recommended that cardholders must grasp the grace period and complete repayment in a timely manner to avoid unnecessary credit risks.

For special circumstances, such as customers who purchase off-plan houses, China Construction Bank also provides a grace period repayment method, allowing them to pay only interest before the house is delivered, and start repaying the principal after the house is delivered, to alleviate the short-term financial pressure. During the grace period, customers can flexibly repay or repay in advance according to their own circumstances to ensure the smooth progress of the repayment plan.