In principle, if a credit card fails to pay the minimum repayment amount after the final repayment date, it will be regarded as overdue repayment. However, due to the existence of the grace period for repayment, it is generally not overdue to return the credit card two days after repayment.

Most banks will provide credit card holders with a repayment grace period of about 3 days. Repayment within the repayment grace period is regarded as timely repayment, which does not generate interest and late fees and does not affect personal credit records.

However, it should be noted that different banks may have different provisions on the grace period for credit card repayment, and cardholders need to know the policy first if they want to take advantage of the grace period for repayment.