The grace period of Guilin Bank's credit card is 3 days. After the repayment date, the repayment within 3 days is considered as normal repayment, and there will be no overdue interest, and there will be no overdue record on the credit report. However, if the payment has not been made for more than 3 days, the user will be considered overdue. Overdue credit cards will damage personal credit, and it will be impossible to apply for loans in the future, which will also have a greater impact on personal daily life. Once the credit card is found to be overdue, it is the best choice to pay close attention to the arrears, and then let Guilin Bank issue a non-malicious overdue certificate after the arrears are settled, so as to reduce the adverse effects caused by overdue records.