detailed description:

1. In China, overdue credit card repayment will be recorded in personal credit report, which will affect personal credit rating.

2. The longer the credit card repayment is overdue, the more serious the impact on personal credit rating will be. Usually, overdue records exceeding 3 days will be considered as a serious credit problem.

3. The time that overdue records are kept in the personal credit report will also affect the credit rating. Usually, overdue records will be kept in the credit report for a period of time, such as 6 months to 2 years.

4. The existence of overdue records may lead to rejection or higher interest rate when applying for financial products such as loans and credit cards.

5. If there are overdue records, it is suggested to pay off the arrears as soon as possible and ensure timely repayment in the future to restore the credit rating.

Summary:

Paying back the credit card several days late will have a negative impact on personal credit, and overdue records will be kept in the credit report for a period of time, which may affect the ability and conditions for individuals to obtain financial products.

Extended information:

According to the Measures for the Administration of Basic Database of Personal Credit Information of China People's Bank, overdue repayment records are an important part of personal credit reports. Personal credit rating plays a decisive role in obtaining financial services such as loans and credit cards. Overdue repayment will be considered as a bad credit behavior, which will affect personal credit rating. Therefore, it is very important to repay credit card arrears in time to avoid overdue repayment.

please note: the above information is for reference only, and the specific impact may be affected by personal credit history, bank policies and other factors. It is recommended to consult relevant professional institutions or banks for detailed information.