When the credit card is repaid, the system will display "Repayment date has passed". Whether this is overdue depends mainly on whether the issuing bank provides a grace period for repayment and how long it is.

If the issuing bank does not provide a grace period for repayment, or the grace period has passed when it repays itself, then the repayment date will be displayed, which is overdue and will be reported to the central bank by the system, leaving an overdue record in the personal credit report.

The difference between the billing date and repayment date of the credit card;

Credit card billing date means that commercial banks collect and settle the current transaction expenses of credit card accounts on the fixed date of each month, and then send the total amount and minimum repayment amount of credit cards in the current month to cardholders in the form of statements. Riding a bull to see a bear should remind the cardholder that the billing date of each credit card is based on the cardholder's application date, personal birthday, card issuance date and so on. And the same time will not change every month, unless the cardholder actively applies to change the billing date of the credit card.

Credit card repayment date refers to the amount that the commercial bank requires the cardholder to return in the current month, that is, the last repayment date of the current period. If the cardholder wants to pay off all debts before or on the repayment date of the credit card, he can choose to pay off all debts in one lump sum or in installments. However, in order to increase the credit card usage normally in the later period, it is better to choose one-time repayment. This is to make commercial banks think that cardholders have good repayment ability. If they repay several times a month, they will feel that the repayment money is patchy and will question the repayment ability of cardholders.

Cardholders will find that there is a credit card billing date first, and then they can repay in full on the credit card repayment date. After the credit card bill comes out, they can repay in full directly, but the first day and the last day are interest-free, and cardholders can repay according to their personal card habits. Riding a bull and watching a bear find a way to return the credit card on the last day. It must be noted that some commercial banks do not take 24 o'clock on the last day as the settlement date.