No, credit cards have a grace period of 1-2 days. There will be no impact during the grace period.

Normally, a credit report will not be filed if a credit card is one day overdue. But every bank is different, so you can contact the credit card bank for details.

The last repayment date of a credit card is the repayment date of the credit card. As long as the repayment exceeds the repayment date, it is considered an overdue repayment of the credit card. However, the bank will not report the payment to the user as soon as it is overdue. letter.

General banks have a grace period for credit card repayments. Each bank has different grace period regulations, but the general grace period is three days. Then the user only needs to return the credit card within this three-day grace period. If you use a credit card, the bank will not report it to the credit reporting system, but if the user returns it beyond the grace period, the bank will report it to the credit reporting system.

If the user fails to repay within the three-day grace period, but it is due to special reasons and it is the first time that the payment is overdue, then you can also call the bank customer service number at this time and express your actual situation sincerely. And pay off the loan immediately. The applying bank should not report your overdue payment to the credit reporting system. If it has already been reported, you can also apply for cancellation. Generally, as long as there are sufficient reasons and there has never been overdue repayment, the bank is more likely to agree to the application. .

1. Consequences of overdue payment

1. Liquidated damages, usually 5% of the unpaid portion of the minimum repayment amount.

2. The interest is high, and the interest is compounded. The interest rate is very scary when the debt is large.

3. Overdue credit records will be stained, resulting in the inability to handle financial needs such as house purchases and loans within the next two years.

4. If the payment is overdue for more than 3 months, and the amount exceeds RMB 10,000, and the bank has failed to pay multiple reminders, you will not only have to bear the repayment, but may also bear criminal liability.

2. Overdue credit cards will definitely affect your personal credit record. However, please note that paying after the final payment date does not necessarily mean that the payment is overdue. If your card-issuing bank has an automatic credit card repayment time service, you can repay within one or two days after the credit card repayment date. "Time-tolerant service" means that banks provide cardholders with a certain grace period for repayment, with a delay of at least 3 days from the last repayment date. However, not every bank has the extended-time service. If you want to postpone your repayment for a day or two, you must first inquire with the bank.

If the bank determines that the repayment is overdue, you will need to pay interest at 0.05% per day, and the overdue record will be saved in your credit data. But don’t be too nervous. As long as you continue to use the card and accumulate good repayment records, you can overwrite the old records with new ones.