The grace period for credit card repayment of Postal Savings Bank is 4 days. The official reply is: if the cardholder fails to repay in time on the repayment date, he can pay it off in one lump sum before 5 pm on the fourth day after the repayment date, and ensure that it will be credited to the credit card account without generating other interest charges. For example, the repayment date of your postal savings bank card is the 5th, and you only need to ensure that the repayment is successful before 5pm on the 9th, and it is not overdue.

You don't need to apply for credit card timely repayment, and the system will automatically postpone it. If the automatic associated repayment has been bound, and the automatic deduction time has passed, the repayment must be made to the credit card account manually, and the savings account will not be deducted again. During the epidemic prevention and control period, those who are hospitalized or isolated due to new pneumonia, those who need medical observation in the epidemic prevention and control, those who have participated in the epidemic prevention and control, and those who have temporarily lost their livelihood due to the impact of the epidemic, take appropriate policy inclinations when repaying with credit cards. For details, please call the Credit Card Service Hotline of Postal Savings Bank.

It is best for users to repay on schedule before the grace period. If they really can't repay, they can choose to repay by installments or the minimum repayment amount. Although the repayment cost will increase, it avoids the occurrence of overdue behavior.