CITIC Bank provides credit card holders with a three-day repayment grace period, and the arrears must be paid off before 20:00 on the last day of the repayment grace period, otherwise it will be considered overdue and CITIC Bank will charge overdue interest. The three-day grace period for repayment is within the last three days after the last repayment date of the credit card. If the repayment is successful within the specified three days, the repayment will be made on time, and no overdue interest will be generated.