A credit card that is four days overdue will indeed have an impact on an individual's credit record. Usually, banks allow cardholders to enjoy a 3-day grace period for repayment, that is, repayment within the 3rd day after the repayment date is deemed to be repayment on time. However, once this period is exceeded, if the repayment is completed on the 4th day, it will be considered overdue. In this case, the overdue information will be reported by the bank to the central bank's credit reporting system, forming a bad credit record. At the same time, overdue repayment will also accrue interest, calculated at a daily interest rate of 5/10,000, and the interest will accumulate on a monthly compound basis until the debt is paid off.

According to the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks", a credit card is a financial instrument that records the cardholder's account information and has an overdraft function. It is used for non-cash consumption. The repayment is its basic obligation. Credit card types include credit cards and quasi-credit cards. Credit cards allow the cardholder to consume within the credit limit and then repay, while quasi-credit cards require the cardholder to deposit a reserve fund. When the reserve fund is insufficient, Overdraft is allowed within the specified credit limit. In everyday discussions, credit cards often refer specifically to credit cards.

Therefore, it is very important for credit card holders to repay in time to avoid being four days overdue, which will affect their personal credit rating and financial status.