General gold and standard cards have a 3-day grace period, and platinum cards have an 8-day grace period. Repayment received before 20:00 on the last day of the grace period at the latest is considered normal repayment. Some special card types do not enjoy the grace period service. If a credit card is overdue for more than 60 days, all cards under your name will be unusable and you need to repay as soon as possible. After repayment, the card will automatically return to normal. If the repayment is overdue for more than 180 days, the card status cannot be restored, and the use of other cards can be resumed after the repayment is received.

Grace periods for credit cards of major banks

1 Bank of China: Different levels and types of Bank of China credit cards have different repayment grace periods. The repayment grace period for titanium, gold and standard credit cards is 3 days, the repayment grace period for platinum and above credit cards is 8 days, and the repayment grace period for business cards is 2 days.

2 Agricultural Bank of China: 2 days. Agricultural Bank of China provides cardholders with a 2-day grace period for repayment. Customers who repay within 2 days of the due repayment date will be deemed to have repaid before the due repayment date and will be granted an interest-free repayment period.

3 China Construction Bank: 2 days. China Construction Bank provides a 2-day grace period for credit card repayments. Repayments within the grace period are deemed to be repaid on time. If the repayment is not successful on the day due to transfer time differences and other reasons, the repayment amount will be received before 7:00 am on the third day after the due payment date, and it will still be regarded as normal repayment.

4Industrial and Commercial Bank of China: 3 days. ICBC provides a 3-day grace period for repayment to some ICBC credit card holders. Repayment within the grace period will be deemed as on-time repayment by the cardholder.

5 Bank of Communications: 3 days. Bank of Communications provides Bank of Communications credit card holders with a 3-day grace period for repayment. Repayments credited before 18:00 on the third day of the last payment date are deemed to be repaid on time.

6 Postal Savings Bank: 4 days. The Postal Savings Bank of China provides a 4-day grace period for credit card holders of the Bank. Repayments credited before 17:00 on the fourth day after the repayment date are deemed to be repaid on time.

7 China Merchants Bank: 3 days. China Merchants Bank provides a 3-day grace period for repayment to CMB credit card holders. Repayment credited before 24:00 on the third day after the repayment date is deemed to be repayment on time.

8 Minsheng Bank: 3 days. Minsheng Bank provides a 3-day repayment grace period for our credit card holders. Repayment credited before 17:00 on the third day after the repayment date is deemed to be repayment on time.

9 Shanghai Pudong Development Bank: 3 days. Shanghai Pudong Development Bank provides a 3-day repayment grace period for our credit card holders. Repayment before 20:00 on the third day after the repayment date will be regarded as on-time repayment.