No, as long as you don't receive the repayment on the last repayment date, it will be treated as a breach of credit card overdue repayment, so it must be overdue.

Consequences of overdue credit card:

1, no longer enjoy interest-free repayment;

2. Affect personal credit records;

3. Serious overdue and huge amount will also constitute a crime because of "malicious overdraft";

4. If it is overdue for more than three months or the bank urges you for more than two times, the bank will freeze your card, list you as a prohibited customer (blacklist), and will also sue you for credit card fraud and malicious overdraft, which will be enforced by the court.

Summary: The impact of credit card overdue occasionally on individuals is not too serious, as long as it is repaid in time. No more than four overdue times in a year, which is not too big for personal influence. If it is overdue for three or even seven months in a row, no bank loan or credit loan can be made within five years.