Generally, banks will have a grace period of about two days for repayment. This is the time reserved by the bank for the automatic deduction error of the system. As long as it is before seven o'clock in the evening. Because UnionPay is settled at 7: pm, if it is after 7: pm, it must be overdue.

except for the four major banks, the grace period of other banks is 3 days (Guangfa can only apply once a year).

The interest-free period is 2 days except for ICBC, Agricultural Bank of China and Bank of Communications, but some banks treat it as 19 days in actual calculation, such as China CITIC Bank. It should be noted that if you apply for multiple credit cards from a bank, only a few banks need to return only one card when repaying. However, most banks still need to pay back every bank card that generates consumption, commonly known as "repayment by card". Otherwise, even if you feel that you have completed repayment, there will still be credit records of default interest and failure to repay on time.