The grace period for Hongta Bank’s credit cards has expired and a credit report will be issued. The grace period for Hongta Bank's credit card is 3 days. That is, if the cardholder fails to repay the loan in time on the repayment date, and can make up for it in time during the grace period, the bank will report it to the central bank's credit reporting system. Such a record is called "goodwill" Overdue". If the grace period is exceeded, it will be considered a default, which will have a serious impact on the personal credit record. Therefore, if the grace period for Hongta Bank’s credit card has expired, a credit report will be issued.