At present, most banks have a grace period for credit card holders to repay. As long as the cardholders repay within the grace period, the issuing bank will not upload bad records to the credit information system. Once the credit card holder is still unable to repay within the grace period or is overdue for one week, the issuing bank will upload the overdue repayment record of the credit card holder to the central bank for credit investigation.

if the cardholder is overdue, it is necessary to continue to use the credit card, and then let the subsequent good use record overwrite the previous overdue record. For cardholders who are overdue, continue to use them and keep a good use record during the period. It will take five years for the overdue credit record of credit cards to be eliminated.

according to the standards of the issuing bank, repayment within the grace period will be regarded as timely repayment without worrying about credit damage. However, if the repayment cannot be made within the grace period, it will be considered overdue and will affect the cardholder's personal credit information. Once the overdue days exceed the grace period, the cardholder will still be charged with overdue penalty interest, and the issuing bank will charge interest fees from the billing date.