Credit cards usually have a grace period after repayment, usually three days. If repayment is made within the grace period, it will be regarded as timely repayment, and the credit card will not be overdue. However, if the credit card is overdue for more than 3 days, even if the minimum repayment amount is paid, it is considered overdue once, because the repayment after the overdue, whether it is full repayment or minimum repayment amount, is considered overdue.

As long as the minimum repayment amount is paid on time and the credit card is not overdue, there will be no bad credit record. However, interest will be charged on a daily basis according to the part that has not been fully repaid, which is generally five ten thousandths of the interest rate, so it is recommended that the borrower pay it off in full.