As we all know, every credit card has a final repayment date, and when this due repayment date expires, it is the time for credit card holders to repay. If the minimum repayment amount is not paid on this due repayment date, it will affect the cardholder's personal credit information more or less. So, is the credit card overdue for one day?

is the credit card overdue for one day?

1 for the card-issuing bank with tolerance and time-tolerance service, the card-issuing bank will provide cardholders with a grace period of about 2 days, and credit card holders will not receive credit information if they are overdue for one day.

2 for card-issuing banks without tolerance and time-tolerance service, as long as the cardholder is overdue, the overdue will affect the cardholder's personal credit information. In other words, if it is overdue for one day, it will be reported.

generally speaking, a credit card is not overdue if it exceeds the repayment date by one day. If you encounter a card-issuing bank with no grace period, the cardholder needs to repay on time, so as not to affect the personal credit information. If it is a card-issuing bank with a grace period, it will not be recorded in the credit report if it is overdue for one day, but it will be overdue if it is not returned for more than three days.