The credit card has passed the payment deadline. Whether it is overdue depends mainly on whether the issuing bank provides a grace period for repayment and how long the grace period is. If the card-issuing bank does not provide a grace period for repayment, or if the grace period has passed when it repays itself, then the repayment date will be displayed, which is overdue and will be reported to the central bank by the system, leaving an overdue record in the personal credit report. If the card-issuing bank provides a grace period for repayment, and the grace period for repayment has not yet passed, it does not mean that it is overdue when it shows "the repayment date has passed". Those customers who can't repay before the repayment date (inclusive), as long as they can repay the minimum repayment amount of the current bill within the repayment grace period, will still be regarded as timely repayment, and will not be regarded as overdue.

1. Many banks can provide grace period service, so that repayment will not be overdue after the repayment date and the grace period on the last day. The grace period of each bank is different, such as one day in Guangfa, two days in Agricultural Bank of China and Bank of East Asia, and three days in other prime bank. If the repayment date is exceeded and the repayment is not made within the grace period, it will be really overdue. The grace period of credit card will be available every month, and it can be enjoyed without the active application of the cardholder. However, we should not always rely on the grace period. After all, the bank will feel that the cardholder's repayment ability is not very good and will not easily withdraw the credit card. It is best to repay before the end of the repayment date. It should be noted that the repayment within the credit card grace period is not overdue, and it is not necessary to repay in full. If it is not possible, the minimum repayment amount can be repaid, but it cannot be handled by installments.

2. A credit card, also called a debit card, is a credit certificate issued by a commercial bank or a credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.