The credit card is overdue for more than one day. The law stipulates that a credit card is overdue as long as it is overdue for one day. How many days the credit card is overdue is related to the grace period of credit card repayment. Usually, major banks have a grace period for credit card repayment, usually three days. If the debt is paid off on the third day after the repayment date, it is not overdue. If the credit card has not been repaid after the grace period for repayment, it can be regarded as overdue. The overdue credit card will affect the credit of the cardholder, thus affecting the cardholder's loan and credit card application, so the cardholder should repay the loan on time and not overdue. As long as it is overdue for more than 90 days, it is generally a black account, which is the standard of most banks.