First of all, credit card bills that are 4 days overdue may be subject to a credit report.

Detailed instructions:

1. Overdue credit card information will be recorded in the personal credit report, and whether the credit report will be reported mainly depends on the policy of the bank or financial institution. Generally speaking, late payments will have a negative impact on a person's credit history.

2. China's personal credit reporting system is operated by various credit reporting agencies, such as the Credit Reporting Center of the People's Bank of China, Baihang Credit Reporting, etc. These agencies collect an individual's credit information and form credit scores and credit reports. Banks or financial institutions can report credit information such as overdue repayments to these credit reporting agencies.

3. Under normal circumstances, banks will report overdue repayment information to credit reporting agencies, but the specific time will vary according to the bank's policy. Some banks may report a credit report within a few days of a delinquency, while others may take longer. Therefore, credit card bills that are four days overdue may be reported to credit bureaus.

4. After receiving a report of overdue repayment, the credit bureau will mark the relevant overdue record in the individual's credit report, which will have an adverse impact on the individual's credit evaluation. The longer the overdue period, the greater the impact on credit evaluation.

Summary:

Credit card bills that are 4 days overdue may be subject to a credit report. Banks or financial institutions will report overdue repayments to personal credit reporting agencies according to their own policies, and then record relevant information in personal credit reports. This will have a negative impact on an individual's credit assessment.

Extended information: