If the credit card has a grace period for repayment, and the grace period is 1-3 days, the repayment will be overdue if it exceeds the grace period. Credit cards have no grace period for repayment, and repayment beyond the repayment date of one day is overdue. Credit card overdue will have many negative effects. For users, credit cards with grace period can choose to repay during the period from repayment date to grace period. If the credit card has no grace period for repayment, the user must repay it on time, otherwise the overdue records will be uploaded to the credit information, and even if the arrears are paid off, it will take 5 years to delete the overdue records.