One day of overdue credit card payment will have a certain impact on personal credit. Late repayments will cause your credit card account to become overdue, which may have a negative impact on your personal credit record. Specifically, one day of overdue repayment may have the following impacts:

1. Credit record damage: If a credit card repayment is overdue for one day, the bank will record this overdue situation. Credit record is an important indicator of personal credit status and may have an adverse impact on future applications for loans, credit cards, rentals and other credit-related services.

2. Credit score decline: Late repayment will lead to a decline in credit score. Credit score is an indicator used by financial institutions to evaluate personal credit risk. Overdue repayment will lower the score, making personal credit risk more highly assessed, which may have an adverse impact on credit card limit adjustments, interest rate discounts and other financial services.

3. High penalty interest and late payment fees: Overdue credit card payments usually trigger high penalty interest and late payment fees. This means that one day of late payment may increase your repayment pressure and require you to pay additional fees.

To sum up, being one day late on your credit card payment may have a negative impact on your personal credit record, credit score and financial burden. Therefore, timely repayment and avoiding overdue payments are very important to personal credit. If you are unable to repay on time due to special circumstances, it is recommended to communicate with the bank in a timely manner and properly resolve the overdue problem as soon as possible.

Extended information:

China’s personal credit records are mainly recorded and managed by the Credit Reference Center of the Central Bank. Overdue repayments will be recorded in personal credit reports, and credit reports are one of the important basis for financial institutions to evaluate personal credit status. In credit reports, repayment records and overdue records have a direct impact on personal credit scores. According to relevant Chinese regulations, overdue repayments for more than 90 days will be included in the "bad credit record", which will have a longer-term and more serious negative impact on personal credit evaluation.

At the same time, different banks may have different penalty standards for overdue repayment. Some banks may set higher late payment fees and penalty interest to pursue late repayers, and may even take legal measures to hold them accountable. Therefore, it is important to use credit cards rationally and repay them on time. Good repayment habits help keep your personal credit record in good shape and provide you with more choices and discounts for future borrowing and credit needs.

The above is a description of the possible impact of being one day late on your credit card payment. Hope this information is helpful to you. If you have any other questions, please feel free to ask me.