If you pay two days late after the repayment date, your credit report will not be affected, because there is a grace period of three days after the bank credit card repayment date. The last day of grace is the final repayment date. After the grace period, the credit report will not be affected. If there is a deadline, it will affect your credit report.

The specific credit card repayment methods and deadlines are as follows:

If you pay it off in full, no fees will be incurred;

Credit cards generally have three days after the repayment date. During the grace period, repayment within the grace period is deemed to be repayment on time;

If you repay the minimum repayment amount, daily interest needs to be calculated, starting from the date of consumption accounting;

If the repayment exceeds the grace period or the repayment amount is less than the minimum repayment amount stipulated by the bank, it is considered overdue, and interest will be calculated from the accounting date. In addition, a late payment fee of 5% of the unpaid portion of the minimum repayment amount will be charged on a monthly basis. Charge;

The specific daily interest rate may vary for various credit cards.

To sum up, as long as the final repayment date is not exceeded, it will not affect your credit report.