If you are 4 days late in repaying your Agricultural Bank of China credit card, you will be subject to a credit investigation. According to China's credit system regulations, banks usually report overdue repayment information to credit reporting agencies. The specific instructions are as follows:

First of all, being 4 days late in repaying your Agricultural Bank of China credit card will have an impact on your personal credit report. Banks will report late repayments to credit bureaus, which will leave negative records on personal credit reports.

Secondly, late repayments have a negative impact on personal credit scores. Credit scores are calculated based on an individual's credit history and repayment performance, and late payments can cause a credit score to drop.

In addition, late payment history will affect an individual’s future credit applications. Other banks or financial institutions will refer to personal credit reports when reviewing applications for personal loans, credit cards, etc. Late repayments will reduce the success rate of the application.

Summary: Overdue repayment of Agricultural Bank of China credit card for 4 days will have a negative impact on personal credit, including being recorded, lowering credit scores and affecting future credit applications.

Extended information: The construction of China’s credit system aims to encourage honest behavior and protect the interests of financial institutions and consumers. Credit reporting agencies are responsible for collecting and organizing personal credit information and providing it to financial institutions as a reference for credit decisions. Late repayment is one of the important indicators in credit evaluation, so timely repayment is an important way to maintain your personal credit record.