If it is a CMB credit card, it has nothing to do with the number of times. According to the China Bank Card Industry Self-discipline Convention, the credit card of China Merchants Bank has a grace period of 3 days by default. If your payment arrives within 3 days after the final repayment date, it will not be overdue, and there will be no late payment fee and interest. I suggest you pay back on time in the future to avoid overdue. For example, the final repayment date is the 5th of each month, and the repayment will be made before 24: 00 pm on the 8th of that month, which will not affect personal credit, and the service does not need voluntary application.