If the credit card holder of CITIC Bank fails to repay in time, the bank will automatically provide a three-day delay service, as long as the cardholder repays the amount on the bill to the corresponding credit card in real time before 20:00 on the third day.

For example, your final repayment date is the 5th, which can be extended to 20:00 on the 8th. If the money doesn't arrive after 20:00 on the 8th, CITIC Bank will count you as overdue.