One day overdue of CITIC Credit Card will not affect the credit investigation. Because CITIC Bank has a more humanized repayment setting, which allows three days of repayment. Therefore, as long as the cardholder pays off the arrears within three days after the repayment date, it will not affect the personal credit information. However, if you don't pay it back for more than three days, your personal credit will inevitably have a bad record, and you will have to pay a certain late fee and penalty interest to the bank.

Even if it won't affect the credit information, you still have to repay on time.

Citic credit card overdue for one day will not affect the credit investigation, because there is a repayment tolerance period. If the repayment is made on time within this tolerance period, there will be no credit record and no credit information system. Therefore, if you find that your CITIC credit card is overdue by one day, you should pay off the credit card bill in time, so that you will not go to the credit information system and will not have any impact on your life. If you always fail to repay the loan on time, then CITIC Bank will not believe you and may freeze your credit card directly, making it impossible for you to use it.

What impact will overdue records have on credit reporting?

Many people know that overdue records will affect credit reporting, but they don't know what impact it will have. The effect of 1 is that your credit qualification will be worse, because credit is also scored. If your score is too low, you will not be able to apply for a loan in the bank. The second one can't apply for a loan in the bank, and the bank will reject your loan application. The third credit rating qualification is too poor and may be blacklisted. You can't buy wealth management products in any financial institution.

Therefore, even if CITIC Credit Card is overdue for one day, it will not have any impact on credit reporting, but you should also pay attention to the repayment period. You must pay off the money before the repayment date comes. If you don't pay off, you will have a penalty interest and increase the repayment burden. And then you must set an alarm clock or set up automatic repayment to pay off your credit card in time.