Credit cards that are overdue for three days will have negative records. Overdue repayments will have a negative impact on personal credit records, mainly in the following aspects:

First of all, overdue credit cards will lead to a decline in credit scores. Credit score is an indicator used by banks and financial institutions to evaluate an individual's credit status. Late repayments will be recorded in the credit report, causing the individual's credit score to decline.

Secondly, late repayments may increase the loan interest rate. Late repayments will cause banks to consider the borrower's credit risk increased and may therefore raise the loan interest rate. This means borrowers may have to pay higher interest when applying for a loan in the future.

In addition, credit card overdue repayment records will make it difficult to apply for other financial products. For example, when applying for a car loan, home loan, or other credit card, a bank may use credit history to evaluate the applicant's repayment ability. A record of late repayments will reduce the borrower's creditworthiness with other financial institutions, thereby reducing the chance of obtaining credit products.

To sum up, a credit card that is overdue for three days will lead to bad records and have a negative impact on personal credit status. Therefore, it is recommended that everyone repay their loans strictly on time to ensure a good credit record.

Personal credit records are managed by the Credit Reference Center of the People's Bank of China. They collect personal credit information and generate credit reports. Overdue repayment information will be recorded in the credit report and will have an impact on personal credit scores. Therefore, late repayment is a behavior that needs to be avoided in China in order to maintain a good personal credit record.