Credit card overdue is usually affected by grace period. Most credit cards, including China Merchants Bank, have a three-day grace period for repayment. For example, the grace period of China Merchants Bank ends at 12 pm on the third day of repayment date. This means that if you complete the repayment before the 4th day (i.e. 29th) after the 25th repayment date, it will not be regarded as overdue and no overdue record will be generated.

most banks implement the "time tolerance" policy, that is, as long as the repayment is completed within 3 days after the repayment date, the repayment will be made on time. If only the minimum repayment amount is paid, usually only the interest on the unpaid part will be charged, and no late payment fee will be incurred. However, once the grace period has passed, even if the repayment is made in full, the bank will charge both late fees and interest. Therefore, in order to maintain a good credit record, it is suggested to repay the loan as soon as possible within the grace period to avoid the occurrence of additional expenses.

to sum up, one day overdue usually does not cause serious consequences immediately, but after the grace period, late fees and interest may have an impact on your credit report. Therefore, ensuring timely repayment is the key to maintaining good credit.