If it is a CMB credit card, according to the "China Bank Card Industry Self-Discipline Convention", CMB credit cards have a grace period of 3 days by default. If your payment is received within 3 days of the final repayment date, it will not be considered overdue. There are no late payment fees and interest. It is recommended that you repay on time in the future to avoid overdue payments. For example: if the last repayment date is the 5th of each month, then the repayment must be made before 24:00 on the 8th of the month. This will not affect your personal credit and there is no need to actively apply for this service.