If the credit card is overdue for four days, it can be cancelled. If it is settled immediately, the overdue records shall be kept for five years from the date of repayment, and shall be eliminated after five years. If it has not been settled, the overdue days will be accumulated all the time, and the overdue records will remain in the credit information, and the system will not automatically delete them. Therefore, overdue records should be paid off in time, so that the system can automatically delete the records as soon as possible.

Will there be a bad record if the credit card is overdue for 4 days?

Credit card overdue for four days will produce bad records and affect personal credit. Most banks only have a three-day grace period for credit cards. Users can pay off their debts during the grace period, and banks will regard it as normal repayment. However, four days exceeds the grace period, so it will be regarded as overdue by the bank. Once overdue repayment occurs, it will generate overdue repayment records, and the bank will synchronize the overdue records to the central bank's credit information system.