Legal analysis: A credit card is overdue as long as the amount used is not repaid within the specified repayment time. Commercial banks will classify and supervise credit cards according to the number of days overdue.

Legal basis: Article 92 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" Commercial banks shall implement classified management of credit card risk assets. The classification standards are as follows: (1) Normal category: Cardholders can According to the repayment rules agreed in advance, the amount due must be repaid in full before (and including) the repayment date during the travel period. (2) Category of concern: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is between 1 and 90 days (inclusive). (3) Qingqing sub-category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is 91-120 days (inclusive). (4) Suspicious category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is 121-180 days (inclusive). (5) Loss category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days exceeds 180 days. On the premise that the business system can support it, the classification operations are legal and compliant, and the classification methods and data calculation methods have been approved by the China Banking Regulatory Commission and its relevant agencies, commercial banks are encouraged to adopt more prudent credit card asset classification standards, continue to pay attention to them, and conduct regular comparisons. Chaoshan monitors important risk management indicators related to reserve provision, risk asset measurement and other aspects, and takes corresponding risk control measures.