Credit card grace period repayment is a measure to meet customers' difficult repayment needs, which generally gives customers extra repayment time without any penalty interest and late payment fees. Although this may bring some convenience to customers, it will also affect their credit history.

First of all, credit card grace period repayment will affect your credit history. Because the bank will mark your account as overdue. The bank will report your overdue situation to the credit bureau, which will leave a flaw in your credit record. This may cause difficulties for those who seek loans, buy houses or other financial products.

Secondly, your credit limit will also be affected if you repay during the grace period. If you have an unpaid bill, your credit line may be frozen during the grace period until the repayment is completed. This may affect your credit score and trust in the bank. If you often need a credit line, this may be a very big problem.

Finally, grace period repayment may bring higher borrowing costs. Although repayment within the grace period will not result in penalty interest and late fees, the bank may ask you to pay extra fees, which may cause you to pay more interest and other fees. Moreover, the extra repayment cost during the grace period may make your account balance bigger, which will lead to more deduction problems.

To sum up, credit card grace period repayment may have an impact on your credit history, may freeze your credit limit, and may increase additional expenses. So if you encounter repayment difficulties, you'd better contact the bank or credit card issuing bank to find a better solution.