CITIC Bank's credit card is not overdue if it is overdue for 3 days. According to the repayment regulations of CITIC Bank, the debt will be paid off within three days from the repayment date, which will not affect personal credit information. If it arrives within 3 days after the final repayment date, it will not be overdue and will not generate late fees and interest. For example, the final repayment date is the 5th of each month, and repayment before 24: 00 pm on the 8th of that month will not affect personal credit.

Because most bank credit cards have a grace period for repayment, and the grace period for repayment of credit cards is after the last repayment date, if the credit card completes repayment within a few days after the last repayment date, it is not overdue. The credit card repayment grace period of CITIC Bank is three days, which means that it is not overdue for the cardholder to complete the credit card repayment within three days after the final repayment date, and it is still on time in the bank's view.

However, if the repayment is not made before 24: 00 on the third day after the final repayment date, it is an overdue behavior of the credit card, which will have a negative impact on personal credit information, and will also generate corresponding overdue fines and penalty interest. In fact, the grace period of credit card repayment is also called credit card repayment time service. In addition to time tolerance service, credit card repayment also has tolerance service. Under normal circumstances, allowing cardholders to underpay the bill amount 10 yuan will not be regarded as overdue repayment. Of course, the unpaid 10 yuan will bear interest on a daily basis until the next bill comes out and the cardholder pays off the debt.

Although three days are allowed, each bank has different regulations on the specific deadline.

Among them, before 7: 00 a.m. on the third day after the repayment date, CCB will repay the loan in real time, which is not overdue and does not charge extra fees; It is not overdue for China Merchants Bank to repay before 24:00 on the third day after the repayment date; Bank of Communications shall repay before 2 1:00 on the third day after the repayment date, which is not overdue, and ATM self-service equipment shall repay before 18:00; The repayment of CITIC Bank and Shanghai Pudong Development Bank is not overdue before 20:00 on the third day after the repayment date; Huaxia Bank repays the loan before 19:00 on the third day after the repayment date, which is not overdue.

It should be noted that what we are saying is that most banks' credit cards give a three-day tolerance, but it does not mean that all banks' credit cards give a three-day tolerance.