If you are overdue for 3 months, you will receive a lawyer's letter. If you are only 2 months overdue, you will not receive a lawyer's letter for the time being, but a bad record has been recorded.

Normally, CITIC Bank will provide credit card holders with a 3-day repayment grace period, but if the user calls the bank’s customer service hotline to apply in advance, the grace period can be extended to 5 days, that is, If you pay within 5 days of the repayment date, it will not be considered overdue.

Repayment within the grace period will not incur fees and will not affect your credit record.

Please be sure to repay in full before the final payment date to avoid affecting your personal credit record. If the final repayment date has passed, CITIC Bank Credit Card will automatically provide you with a 3-day grace period for repayment (delayed to 20:00 on the third day). It is recommended that you repay with real-time payment (such as CITIC Mobile Bank, online banking, WeChat wallet, Tenpay, Alipay repayment, etc.). For example: if the final payment is on the 2nd, it can be extended to 20:00 on the 5th. Repayments within the grace period will not incur fees and will not affect your credit history.

CITIC Bank credit card online banking enables automatic transfer repayment methods:

After logging in to CITIC Bank credit card personal online banking, please select "Credit Card" - "Repayment Assistant" - "CITIC Debit Card" Repayment" - "Automatic repayment", you can follow the prompts to bind a CITIC debit card and activate automatic transfer repayment

CITIC Bank credit card time-limited service can choose the minimum repayment:

The CITIC Bank credit card is in normal status, and you can choose to pay the minimum repayment amount with the long-term service. However, only paying the minimum repayment amount will accrue interest.

You can choose to repay in full or according to the minimum repayment amount. During the interest-free repayment period, there is no need to pay interest (except for cash withdrawals); the overpayment in the card will not be counted. Interest on deposits; interest on overdrafts is calculated based on the cardholder's card usage behavior at a daily interest rate of 3.5% to 5%. If the cardholder fails to repay by the repayment date, late payment fees and interest will be incurred, and personal credit will also be affected. So how can you extend the final payment date - modify the billing date. However, this method cannot be universal. Some banks cannot modify it, and some banks have limits on the number of modifications.

Assume that the longest interest-free period of your credit card is 50 days, and the billing date is the 5th of each month. We will make a purchase on September 6th. Under normal circumstances, this purchase will be in October. Repayment on the 25th.