It will affect your credit report.

Tolerance service: Penalty interest is waived if the unpaid amount does not exceed 10 yuan

Tolerance service: Most banks have a grace period for customers who forget to repay. If the cardholder I call the bank's customer service number to apply, and the bank will grant a grace period ranging from 1 to 3 days based on the customer's personal credit status.

Therefore, if you exceed the grace period and have more than 10 yuan unpaid, your credit will be recorded.

Extended information:

To avoid overdue credit cards, you can bind a savings card for automatic repayment. But please note:

1. Pay attention to the effective time. Each bank's credit card automatic repayment business has different effective times. If the automatic repayment does not take effect immediately after application, but takes effect on the next billing date after being set with the cardholder, then the current bill still requires a cardholder. People pay by themselves. It is recommended that cardholders need to confirm whether the automatic repayment is successful after handling the automatic repayment business, especially on the first repayment day after handling the business, they should confirm whether there is automatic repayment in the account.

2. The current balance must be sufficient. Automatic repayment requires ensuring that there is sufficient available balance in the debit card on the day of deduction. Some banks require that the card has a sufficient current balance when debiting money, but some banks default to debiting the current account first and then the fixed account when the account balance is insufficient. There are also banks that for users who have applied for automatic repayment, if the money on the debit card is not enough to repay the credit card, they can still deduct the payment first. If the balance in the designated repayment account is enough to repay the minimum repayment amount, late payment fees will no longer be charged.

3. You must withdraw cash and return it promptly. If you encounter a credit card cash withdrawal situation, you should repay the debt as soon as possible. If you rely on automatic repayment, not only will you be charged interest, but it will also be difficult to fully repay the debt. Because automatic repayment will only be repaid on the due payment date, not all-time repayment, only the amount of the current bill will be deducted, while interest will be charged on cash withdrawals starting from that day, and the interest after the bill date will be be included in the next billing cycle.

4. The ID numbers must be consistent. Automatic repayment can only use the cardholder's debit card as the credit card repayment account. Automatic repayment requires that the names and ID numbers of the credit card and debit card match. Therefore, it is required that the ID number used when applying for a debit card must be exactly the same as the ID number used when applying for a credit card. Some cardholders applied for debit cards earlier and reserved a 15-digit ID number, while applying for a credit card used an 18-digit ID number. This will also cause the difference between the ID numbers reserved for debit cards and credit cards. Inconsistency results in automatic repayment being unsuccessful.

Baidu Encyclopedia - Tolerance and time tolerance

Hexun.com - How much do you know about the misunderstandings of automatic credit card repayment