Yes, paying off your credit card one and a half hours late will also be considered overdue and may have an impact on your personal credit report.

Details:

1. Overdue definition: A credit card payment that is late beyond the specified final repayment time is considered overdue. The specific final repayment time can be found in the relevant terms of the bank or card issuer.

2. Impact on personal credit: Overdue repayments will be recorded by banks or card issuers and reported to credit bureaus. This will have a negative impact on personal credit reporting and may lead to a decline in credit scores, which will in turn affect future credit applications, loan interest rates and other financial activities.

3. Bank policies and processing methods: Different banks may have different processing methods. Under normal circumstances, a late payment of one and a half hours may only be regarded as a minor overdue payment, but the bank has the right to take corresponding measures according to its own policies, such as charging late fees or raising interest rates.

4. Supplementary information: Each bank’s policies are slightly different, and there may be grace periods or exemptions under special circumstances. Therefore, it is recommended to contact the bank or card issuer in time to understand the specific situation and pay off the outstanding balance as soon as possible.

Summary: Paying off a credit card one and a half hours late is considered overdue and may have a negative impact on your personal credit report. On-time repayment is an important factor in maintaining a good credit record. It is recommended to abide by the repayment regulations and communicate with the bank in a timely manner to handle any overdue situations.

Extended information:

According to relevant Chinese laws and regulatory agencies, banks and card issuers are obliged to record overdue repayments and report them to credit reporting agencies, such as China Credit Reference Center of the People's Bank of China. Overdue records will be kept in personal credit reports and become one of the basis for other financial institutions to evaluate personal credit risks. Therefore, it is very important to repay your loan on time to maintain a good credit record and thereby obtain more opportunities for financial services and more favorable interest rate conditions.

Please note: The above information is for reference only. Specific policies and processing methods may vary depending on banks, regions or individual circumstances. It is recommended that you consult the relevant financial institutions for detailed and accurate information when encountering similar problems.