Credit card repayment is overdue even after the repayment date, but in order to protect customers' credit, the central bank stipulates that banks have at least three days' grace period for repayment, that is to say, after the repayment date, you still have three days to repay, and once you miss it, there will be overdue records.

Bank overdue records cannot be modified. Banks will regularly upload customer repayment data to the credit information system. In the future, when handling financial business (card, mortgage, car loan and commercial loan), you need to obtain your own credit record as a reference. Therefore, personal credit is a very important thing and deserves attention.

Although there is a three-day grace period, the actual operation of each bank is different, some only have two days, and the platinum card can reach nine days, depending on the bank regulations. It is suggested that you can call the bank customer service hotline on the credit card for consultation, and the bank's answer is the most standard.

At the same time, it should be noted that the overdue repayment of ABC's credit card will not be exempted because of the grace period. As long as it is overdue, it will charge cyclic interest and late fees. The calculation of cyclic interest is based on each amount on the bill (including consumption principal, cash principal borrowed in advance and interest paid), with the bookkeeping date of the account as the interest-bearing start date, and the daily interest is 0.05% until the payment date of the account.