1, one day of overdue repayment will be recorded in the personal credit database of the People's Bank of China, which is a regulation. Morally speaking, there is nothing wrong; In terms of rules or laws, it violates the credit card repayment agreement on schedule. Credit card overdue repayment records will be kept in personal credit records for 5 years. After the expiration of 5 years, personal credit records (including bad records) must be cleared. 2. Overdue repayment of credit cards will have the following consequences: 1. Overdue repayment of credit cards after overdraft is a breach of contract, and banks can require cardholders to repay the principal, overdue interest, late payment fees, over-limit fees, etc. If the bank sues the court and wins, the cardholder will also bear the litigation costs. Secondly, if the cardholder maliciously overdraws a certain amount for the purpose of illegal possession and fails to pay it back within the time limit, which constitutes the crime of credit card fraud, he should also bear criminal responsibility. Finally, overdue repayment will leave a bad credit record for cardholders, which will affect the smooth progress of cardholders' future loans and other behaviors.

Overdue credit cards will not only generate penalty interest, but also upload overdue records to the central bank's credit information system, which will affect personal credit information. Once the personal credit report has a bad record, it will affect all aspects of life in the future. The most direct thing is that the loan application will basically not be approved. Therefore, when using credit cards, we must develop good repayment habits and repay in full and on time.

Once the credit card is overdue, the most direct problem is to affect the credit information. After all, credit information records everyone's credit behavior and can affect the future car loan situation. There are other financial transactions, some of which even affect children. So how long will the credit card expire and affect the credit information? Is it possible to collect credit immediately if it is overdue for one day?

Not all credit cards will be credited immediately after they expire. There is usually a tolerance period of about three days, which means that these three days are considered as the grace period of the bank. You can contact the bank to explain the situation. After paying off, you can ask the bank to issue "non-malicious overdue" materials, and there will be basically no problem. Tip: ICBC has no time limit.

After the credit card is overdue, it will be reflected in the credit report according to the number of days. According to 30 days as a counting standard, 30 days overdue is marked as "1", and 180 days is marked as "6". The higher the number, the greater the impact on your future life!

Moreover, what we usually call "three consecutive six" is also an important reason that affects credit reporting. "Three consecutive days" means three consecutive months overdue, while "six consecutive days" means six or more overdue times. In nature, "Lian San" is more harmful than "Liu Lei", because it may be considered as "malicious", unlike "Liu Lei" who is considered to have some faults.