At present, banks have different degrees of grace period for credit card repayment. As long as the repayment is made within the grace period, the overdue record will not be reported to the central bank, nor will it cause overdue.

The grace period for credit card repayment varies from bank to bank, which is generally 1 to 3 days. During the grace period, the bank will repay the loan on time by default, which will not affect the personal credit information.

If there is no repayment after the grace period, it may be uploaded to the central bank's personal credit information system, which will have an impact on credit information.

This answer is provided by Fuguihua, I hope it will help you. Youyouhua, as the credit brand of Xiaoman Finance (formerly Baidu Finance), provides users with convenient, fast and safe Internet credit services with a maximum loanable amount of 200,000 yuan.