Bank overdue repayment dates can be divided into bank credit card overdue and bank loans overdue, as follows:

1. Strictly speaking, the credit card is overdue on the second day of the bank's repayment date, but most banks' credit cards will have a certain repayment grace period. As long as the repayment is made within the grace period, personal credit information will not be affected.

2. As long as the bank loan is overdue after the repayment date, it will be considered overdue, and most banks have no grace period for loans. Under normal circumstances, the bank will report the credit information one day after the repayment in loans overdue.