There are two situations when credit card repayment is delayed:

First, the credit card is repaid within the grace period, because banks have a three-day grace period, and it is considered to be repaid on time, which is good for users. There is no impact.

2. If the repayment period has passed three days, it will be considered overdue, which will affect the credit report;

1. Overdue repayment and bad credit will affect the user's future loans and banks. Card application;

2. For overdue repayment, the bank will charge an interest of 0.5% per day, compounded monthly, and a late payment fee of 5% of the unpaid portion of the minimum repayment amount will be charged. , so repay the loan on time.