Guangfa Credit Card can be repaid up to 3 days overdue. This is a time-limited service provided by Guangfa Bank Credit Card, that is, the repayment grace period is 3 days. As long as the amount due for the current period is deposited into the credit card before 24:00 on the third day after the final repayment date of each period, the bank will regard the payment as on time and will not be considered overdue and will not be included in the personal credit report. Recording. However, it should be noted that the 3-day grace period can only be applied for once a year. The grace period for all repayments in the following year is only 1 day. If you repay after the grace period, you will have to pay 50,000% of the amount owed. Interest accrual begins. Therefore, it is recommended that cardholders try to pay off their debts before the repayment date to avoid unnecessary interest payments and the risk of damage to their credit history.