Under normal circumstances, the grace period for repayment of the "time-sensitive service" of a bank will be delayed by at least 3 days from the repayment date, so a credit card overdue for 7 days is considered overdue.

1. The severity of credit card overdue mainly depends on overdue amount, overdue days, overdue times, overdue return time, etc. Under normal circumstances, if it is overdue for 7 days, the impact on personal credit information is not too great, and it will be displayed once in the bank credit information system.

2. The major banks define the overdue period differently, and most of them take 3-7 days as a default period, which will be considered as forgetting to repay or temporary turnover is ineffective.

3. 7 days overdue will be recorded once, and five ten thousandths of default interest will be accrued every day. If there are too many overdue times, it will seriously affect personal credit records. When it accumulates 6 times or the continuous cycle reaches 3 times, it will be counted as bad credit customers, which will affect the subsequent application for personal mortgage and car loan.