When a user's credit card is overdue and the card-issuing bank reports it to the database, the user should contact the card-issuing bank as soon as possible to explain the reason for the overdue date and pay off the debt as soon as possible, because if the credit report has not been submitted, , then don’t worry. If you have a credit report, this overdue record will be kept for 5 years, but it will start counting after the debt is settled. The grace period of most banks is 3 days. Repayments within the grace period will still be considered normal repayments, not overdue, and there will be no high penalty interest or liquidated damages.