Credit card statements that are one day overdue are usually not reported immediately to your credit bureau. But if it is overdue for more than a certain period of time, usually 30 days, the bank may report the overdue record to the credit bureau.

Detailed instructions:

1. Credit card is one day overdue: When the credit card bill is not paid off before the repayment deadline, it becomes overdue. A credit report that is one day overdue usually will not be reported immediately.

2. Cooperation between banks and credit bureaus: Banks cooperate with credit bureaus to submit customer credit information to the credit bureau database for reference by other financial institutions. This means banks have the option of reporting customers' delinquencies to credit bureaus.

3. The credit report will not be reported if it is overdue for a certain period of time: Although the credit report will not be reported immediately if it is overdue for one day, if the overdue time reaches or exceeds the threshold set by the bank, usually 30 days, the bank has the right to Overdue records are reported to credit bureaus.

4. Impact on credit record: Once an overdue record is reported to the credit bureau, it will become part of the personal credit record and have a negative impact on the credit score. This could lead to difficulties applying for loans, credit cards, etc. in the future, or the need to pay higher interest rates.

5. Other factors affect credit reporting: In addition to credit card overdue, other factors such as loan defaults, arrears of public utility fees, etc. may also be reported to credit reporting agencies and have similar negative impacts.

Summary:

If a credit card is overdue for one day, the credit report will usually not be reported immediately. However, if the overdue time exceeds the threshold set by the bank (usually 30 days), the bank has the right to record the overdue date. Report to credit bureaus. This will have a negative impact on a person's credit score and may impact future loan and credit card applications.

Extended information:

China’s credit system is managed by the Central Bank’s Credit Information Center and includes a personal credit information database and a corporate credit information database. An individual's credit record is provided by financial institutions participating in the system, including banks, credit card companies, etc. Banks choose whether to report customers' overdue status to credit bureaus based on their own policies and cooperation agreements. The presence of overdue records can affect an individual's credit score, and a lower credit score may result in transaction restrictions or an increase in interest rates. Therefore, it is important to pay off your credit card bills on time to maintain a good credit history.