1. Credit records will be affected: three days overdue will leave a bad record in personal credit records. This will have a negative impact on an individual's credit rating, which may lead to difficulties in subsequent applications for loans, house leasing and other credit-related matters.
2. Credit card interest and penalty interest: overdue repayment will lead to interest and penalty interest. The bank will start to calculate the corresponding interest and penalty interest after the overdue period, and add it to the outstanding account balance. This will increase the repayment pressure of cardholders.
3. Close or restrict credit card accounts: Banks also have the right to choose to close or restrict overdue cardholders' credit card accounts. This means that the cardholder can no longer use the credit card, and the record of overdue repayment will continue to exist in the credit report.
To sum up, three days overdue will have a negative impact on the cardholder's credit record, which may lead to a decline in credit rating, an increase in interest and penalty interest, and the closure or restriction of credit card accounts.
Extended information: The overdue processing of credit cards is related to the regulations of individual banks. Most banks take overdue reminder and collection measures, such as reminding cardholders to repay as soon as possible by SMS, telephone or letter. If the overdue period lasts for a long time or the repayment is not paid, the bank may take legal measures to investigate the responsibility. Cardholders should pay back in time to avoid bad records and unnecessary economic losses.
In short, three days overdue will have a bad influence on credit records, and cardholders should maintain good repayment habits and try to avoid overdue repayment to safeguard personal credit.