Not all ICBC credit cards can be extended. If there is no grace period, they must repay the loan on the repayment date. Some industrial and commercial credit cards can have a three-day repayment grace period, so they can postpone repayment for three days after repayment. Repayment within these three days is regarded as normal repayment by users and will not generate overdue interest.

Users can call the customer service hotline of ICBC directly to find out whether there is a grace period for their credit card repayment. If not, they must pay back on time.