Your credit report will not be submitted if it is two days overdue.

Different banks have different time limit rules, and the allowed overdue time is different. If you do not communicate with the bank's credit card center beyond the specified time, it is very likely that the overdue record will automatically be reported to the credit report.

The credit card overdue rules of different banks are: CCB 5 days, Bank of China, regular card 3 days, Platinum card 9 days, Agricultural Bank of China 2 days, Bank of East Asia 2 days.

The following banks are all 3 days: Bank of Communications, China Merchants Bank, Ping An Bank, Hua Xia Bank, Industrial Bank, Minsheng Bank, China CITIC Bank, Postal Savings Bank, Shanghai Pudong Development Bank, China Guangfa Bank, China Everbright Bank, Bank of Beijing , Bank of Shanghai, Citibank.