Generally speaking, banks will have a grace period of about 3 days for repayment. During this period, repayment will be made on time even if the amount is paid off. However, some banks, such as ICBC, do not have a grace period for repayment. Therefore, cardholders should know whether the issuing bank has a grace period and repay on time to avoid the impact of default on personal credit information.
So one overdue payment has little effect on the use of credit cards. As long as the arrears are settled in time, the record of an overdue credit card will be replaced by the normal repayment record, so it doesn't matter if it is overdue occasionally.
of course, some banks also offer grace period services. In other words, repayment within 3 days after the repayment date is also regarded as normal repayment.
for example, the repayment date is 1th, and 11th to 13th is the grace period. The repayment of debts within these three days is not overdue, and the overdue records are not uploaded.
Note:
The credit card has been overdue for three consecutive times and accumulated six times. It will leave a bad record in the eyes of banks and affect loans. If the borrower's loan repayment is overdue or the credit card repayment is overdue, the bank will also analyze whether the overdue is accidental. If it is occasional and not long, the bank will still give preferential treatment. However, in some cases, if the overdue times exceed three times, the loan will be affected. If the credit card is overdue, it is generally overdue for more than 9 days, or the overdue amount is too large. For example, if the overdue amount reaches 5, yuan, the bank will not pay it back, and this situation will be prosecuted. And if it is overdue only once, and it is not maliciously overdue, the impact is not serious.
Generally, a credit card is overdue for more than three months before it can be sued by a bank, because relevant laws and regulations clearly stipulate that when a credit card holder fails to repay the minimum repayment amount for three consecutive months, the credit card issuing bank has the right to bring a lawsuit to the court.