When your credit card is overdue, it will not necessarily leave a stain on your personal credit, because there will be some differences in the rules of credit card overdue, and different credit card centers will have different requirements, especially the tolerance for credit card overdue.
Some credit cards have an overdue period of 3 days. If the repayment is made within 3 days after the deadline, there will be no overdue record on the personal credit information. The credit card center has set a time limit of 3 days for sending overdue data, and the data overdue for more than 3 days will be submitted to the Credit Information Center of the People's Bank of China. The overdue payment period of some credit cards is 0 days. As long as the credit card is overdue, your overdue record will enter your personal credit information, which will have an impact on your personal credit information. Of course, some credit cards will be more tolerant of overdue data, but most credit cards will not exceed 7 days. After 7 days, your overdue data will definitely enter your personal credit report.
In your case, 20 yuan is overdue, and the amount itself is not very large. It is suggested that you communicate with the credit card center on your own initiative and tell the credit card center the reasons for the overdue. I hope the credit card center can understand. According to your overdue amount, the staff of the credit card center can still know your actual situation. After all, only 20 yuan is overdue, and the amount is very small. It shouldn't be that you are overdue voluntarily, but that you missed the repayment time for some other reasons. By communicating with the credit card center, the credit card center may not submit your overdue data to the Credit Information Center of the People's Bank of China, so your personal credit information will not be defiled.
When you find that your credit card is overdue, you should get in touch with the credit card center as soon as possible and return it in full, so as to reduce the influence of overdue credit information through your own active communication. After all, personal credit investigation is very important to our life and work.