If you forget to repay your credit card debt for a certain month, and the overdue payment is only a few days long, and the amount is not large, you can call the bank to explain the reason, and there will be no serious consequences or being blacklisted by the bank.

If the funds are small and the time is short, it can be delayed for a few days. If the credit card is overdue within a few days, you must first call the bank customer service number to explain that the situation is not a malicious default. Generally, banks have a grace period of 2-3 days. Explain the situation and pay the arrears in a timely manner, which is recoverable and will not be recorded in your personal credit report. But note that you need to apply by phone. Otherwise, even if it is overdue, banks generally do not take the initiative to extend the repayment date.

Don’t cancel the card if it is overdue. In the personal credit report, the repayment record of the canceled credit card will also be recorded. That is, account cancellation does not clear bad credit records simultaneously. If it is overdue, do not blindly choose to cancel the account after paying the arrears. Once the account is closed, you cannot continue to update your personal consumption records. According to the "Credit Information Industry Management Regulations", the retention period of personal credit information records in my country is 5 years. That is to say, after the consumer pays off the debt, the overdue records from 5 years ago will be automatically cleared.