if it is a personal loan handled by China merchants bank, you cannot apply for extending the deduction time. If the repayment is not made in full and on time on the "deduction date", overdue records will be generated, which will be uniformly recorded by the central bank to the credit information system.

in the case of CMB credit cards, CMB provides credit card customers with a 3-day grace period for repayment free of charge (for example, if the final repayment date is the 5th of each month, the repayment will be made before 24: pm on the 8th of that month, which will not affect personal credit, and there is no need to apply for this service voluntarily). If you fail to pay off at least the minimum repayment amount of the current bill within the grace period, you will be charged liquidated damages and interest, and your personal credit will be affected.

(Response time: June 1th, 219, please refer to China Merchants Bank official website for the latest business changes).