For most bank credit cards, the credit card itself has a certain grace period. Even if you choose to repay after the last repayment date, as long as you don't break through this grace period, your repayment behavior will not affect your personal credit information. However, if you repay after the grace period, your overdue record will be directly reflected in your personal credit report, which will also affect your subsequent personal life.

I suggest that you had better repay the loan before the grace period.

For most credit card users, many people will choose to repay in full before the final repayment date, which is also the standard use of credit cards. After all, users can get an interest-free period for a certain period of time in this way. If you can't repay the loan normally before the final repayment date, I suggest you choose the minimum repayment amount or installment payment. It is best not to wait for the so-called grace period, because there is no uniform standard for the grace period.

2. The grace period of CMB credit card is generally three days.

This critical period first has the concept of quantity. If your overdue amount is less than 1 1,000 yuan, China Merchants Bank will generally give users a three-day grace period. As long as you can guarantee the repayment on time within three days, your overdue behavior will not be reflected in your personal credit report. If your overdue amount has exceeded 1000 yuan, the grace period will be further shortened, sometimes even only one day.