Shengjing Bank’s time service means that credit card holders can enjoy a 3-day grace period repayment service from the due date of repayment. As long as the cardholder repays before 20:00 on the third day after the repayment due date, Shengjing Bank will repay on time. Note that if the cardholder chooses to bind the automatic repayment service, he must remember to transfer the full amount of funds to the credit card-bound debit card before the due repayment date to avoid delays in repayment.

Tolerance service refers to a credit card holder’s lack of repayment amount. If the credit card holder's current repayment amount is insufficient, but the amount owed is less than or equal to 10 yuan, Shengjing Bank will regard the cardholder as repaying in full, and part of the arrears will be automatically transferred to the cardholder's next bill. Will not affect credit history. The final repayment date for Shengjing Bank credit cards is 25 days after the statement date. For example, if the bill date is the 1st of each month, the final repayment date is the 26th of the month. The interest-free repayment period starts from the bank accounting date to the due repayment date. The longest interest-free repayment period for Shengjing Bank credit card is 56 days and the shortest is 26 days. Spend the day after the bill date to enjoy the longest interest-free period.

Using online banking is a very convenient way to repay your loan. You can repay your credit card using a savings card from your online bank. Of course, my personal suggestion is to choose Shengjing’s debit card or Shengjing’s credit card. It saves a lot of handling fees and is very timely. You can also choose to use third-party payment tools, Alipay, Yu'e Bao, and open the quick method. This is also very simple, you only need to open an online bank's savings card and bind it to Alipay, or a financial payment account, that is, open the quick method, and then you can repay the credit card through Alipay, or financial payment.

If you find it troublesome to repay your credit card every month, you can go to the bank business office to open the automatic repayment service. If you bind your credit card to the Shengjing Savings Card, the bank will automatically deduct the money for you every month, which is very convenient for you. Banks will set up bank ATMs that recognize credit cards so you can transfer funds to the credit card as per your needs. This operation is still very simple, but the premise is that you must be close to the bank business office! Of course, you should pay attention to reasonable consumption and use credit cards wisely.