3 days grace period is a thing?

Missed my payment last night due to cred acting up
Just remember it right now and I’ve already paid using cheq q
It was supposed to be paid on 21 but i paid on 22 how’s that’s gonna affect me?

I can confirm, as long as you pay within 3 days of the due date it won’t impact you, my bill due date is 5th and too many times i have paid on 7th or 8th , nothing happens, but mind you if you pay on 9th bank will bring all hells in your penalty fee. And also if the bank impose penalty within those 3 days then you file complaint the reverse the charges.
Attaching ss from that doc..


Happy swiping :waving_hand::waving_hand: