One day of late payment on a credit card will have a certain impact on the credit card holder, but the impact is relatively mild. Specifically:

1. Credit record: Overdue repayments will be recorded in the credit record, which will have a certain negative impact on the credit score. Each bank may have a different impact on your credit score, but one day overdue will have a relatively small impact on your credit score.

2. Penalty interest and late payment fees: Late repayment may result in penalty interest and late payment fees. The specific amount will be determined according to bank policies and relevant terms. The longer the overdue period, the amount of penalty interest and late fees will increase accordingly.

3. Future credit limit and interest rate: Long-term overdue repayment may affect the bank's approval of credit limit and interest rate. If overdue situations are frequent or last for a long time, the bank may adjust the credit limit or increase the interest rate.

To sum up, one day's overdue credit card repayment will have a certain impact on your credit record, future credit limit, and interest rate, but the impact will be relatively mild. In order to maintain a good credit record, it is recommended to ensure timely repayment before the repayment date to avoid overdue situations.

Supplementary information: In addition to the impact of late repayments on personal credit, there are other factors that also affect credit scores, such as the number of credit inquiries, credit card usage, other loan repayments, etc. Maintaining a good credit history is one of the keys to keeping your personal credit healthy. It is recommended to use credit cards rationally and repay on time to avoid overdue payments. If you do encounter an overdue situation, contact the bank promptly and pay off the balance as soon as possible to reduce the long-term impact on your credit.