Usually, if the card is overdue for more than three times, a bad record will be generated, but some banks will freeze the cardholder's credit card if the card is overdue for 90 consecutive days. The specific regulations are subject to the bank's regulations. Users are advised to call the bank's customer service for consultation.

In addition, if the debt is still not repaid within 20 days after the repayment date, the bank will regard it as overdue. If this happens, it will be more difficult to increase the limit in the future. If you are overdue for more than three times in a row or more than six times in total, you will have a bad credit record and will be included in the central bank's blacklist. When the overdue amount exceeds a certain time and amount, the bank will freeze the credit card.

Is a credit card payment three days late considered overdue?

If a credit card has a 3-day grace period for repayment, repayment within 3 days from the date of repayment will not be considered overdue, and repayment within the grace period will be deemed to be repayment on time. However, if the credit card grace period is less than 3 days, or there is no grace period, overdue payment for 3 days is considered overdue repayment, and the overdue record has been uploaded to the credit report. Even if the overdue balance is paid off in full, the overdue record will be deleted after 5 years.