The best solution to a credit card payment that is one day overdue is to pay it back as soon as possible. Under normal circumstances, you can appeal to the bank for overdue credit card payments due to illness, unemployment, etc.

Under normal circumstances, one day of overdue credit card repayment will not have a negative impact on the user's credit report, because most banks' credit cards have a 3-day grace period for repayment. One day overdue is still within the credit card's 3-day repayment grace period. The cardholder only needs to be able to repay on time within the 3-day repayment grace period.

However, there is something special about ICBC and China Guangfa Bank. ICBC does not have a credit card repayment grace period, which means that if the credit card repayment is overdue for one day, it will be reported to the credit report. This kind of Under such circumstances, it is recommended that cardholders complete repayment as soon as possible. If there are special circumstances, they can try to appeal to ICBC. Explain the personal reasons to the bank and provide relevant supporting materials. In this case, the bank may revoke the credit report as appropriate.