12pm before credit card repayment In addition, according to the self-discipline convention of China bank card industry, 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 is not overdue, and there is 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.