The date is 3 days.

After the repayment date of a credit card, the default overdue time is generally 3 days, which is established by most banks to provide customers with a certain grace period. If the payment is not repaid three days after the repayment date, the bank will usually regard it as overdue, and will calculate overdue interest and possible late fees starting from the fourth day.

The grace period gives cardholders a buffer in repayment time due to transfer delays, holidays and other factors, avoiding overdue records caused by minor delays, thereby reducing the bank's overdue risk and improving customer satisfaction.