At present, most banks have implemented the "time tolerance" service, and most repayment grace periods are three days. "For example, if your repayment date is the 25th of each month, and it is postponed for three days, that is, repayment within the three-day grace period from 26th to 28th, it can be counted as timely repayment." A staff member of the bank credit card center explained. "If the minimum repayment amount is paid, there will be no late payment fee, and only the interest on the unpaid part will be charged. If you pay the full amount, you won't charge interest. " However, if the repayment is not made within the grace period, the bank will charge both late fees and interest.