Three days. Remind repayment by SMS, email, etc. At least 3 days before the due repayment date and provide a repayment period of at least 3 days. Confirm that the credit card debt exceeds the cardholder's repayment ability, and the cardholder is still willing to repay. The issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement, the longest of which shall not exceed 5 years.