There will be no bad record if the credit card is overdue for 2 days, because the bank provides the cardholder with a grace period of 3 days, and as long as the repayment is made within the grace period, there will be no bad record. When the cardholder finds that he has been overdue for two days, he needs to contact the credit card bank immediately, explain the reasons for the overdue and tell the bank that it is not malicious.

Many cardholders ignore the repayment of credit cards because of their busy work. As long as it does not exceed three days, it will not affect the use of credit cards.

Once more than three days, the cardholder has not returned the arrears, and the bank will contact the cardholder.

When the bank contacts the cardholder and the cardholder is unable to repay the debt, the bank will freeze the cardholder's account and feed back the cardholder's debt record to the personal credit information system of China Bank.

Once the cardholder receives the credit information, it will have a bad credit record, which will affect the cardholder's food, clothing, housing and transportation, and will also affect the use of credit cards and loans in the future.

The grace period of the bank is because there are many non-subjective reasons that affect the repayment in the actual operation process.

For example, customers who automatically bind repayment failed to repay due to the failure of the banking system and used other repayment methods, but the repayment amount on the last repayment date has not been recorded. These reasons led banks to put forward "time-tolerant service" to provide cardholders with a certain repayment grace, usually 3 days.

Our regulations on overdue treatment are generally as follows:

1. If the credit card is overdue for more than 6 times in two years, or overdue for more than 3 months at a time, it is not allowed to apply for a loan. Therefore, people who have recently applied for a loan plan from a bank had better not use a credit card at the initial stage of application. If they do, they should also maintain a good habit of borrowing and repaying, and do not overdue.

Second, personal credit is not good, and the interest rate for applying for commercial loans will be raised. If your credit card is often overdue and the credit limit drops, the bank will check your credit history in recent years when you apply for a loan. Once you find that your credit information is bad, you will raise the interest rate of your loan application, which is not a good thing for individuals.