Generally speaking, if a credit card payment is one day overdue, it will create a bad credit record and have an impact on the cardholder's personal credit record. Once the credit report is affected, if the cardholder wants to apply for other credit cards or loan business in the future, it will also be affected to a certain extent. At the same time, even if the credit card is overdue for only one day, the bank will charge overdue interest at a daily interest rate of 0.5%.

At the same time, it should be noted that banks usually provide credit card holders with a three-day grace period for repayment. If the cardholder repays one day after the grace period, it will be counted as overdue repayment. . If the cardholder repays the balance within three days of the repayment date, it will not be considered overdue.

The credit card statement date means that the card-issuing bank will regularly summarize and settle the various transactions and expenses that occurred in your credit card account every month, calculate the interest, and calculate the total amount of debt you owe in the current period and the minimum amount. The repayment amount will be mailed to you. This date is your credit card statement date.

At the same time, it should be noted that the statement date of each bank is not the same day. And for the statement date, some banks also provide the function of providing the statement date, making your repayment more flexible.

ICBC sets the end of each month as the last day of the calendar month, which cannot be changed.

The monthly statement date of Bank of China is generated by the system and is fixed for each cardholder and cannot be changed.

The billing days available for China Construction Bank include the 2nd, 5th, 7th, 10th, 12th, 13th, 15th, 17th, 19th, 22nd, 23rd, 24th, 25th, 26th and 27th of each month. Change once every calendar year.

Industrial Bank’s billing dates are on the 2nd, 4th, 6th, 8th, 15th, 18th, 11th, 21st and 23rd of every month, and cardholders can change them every six months.

Minsheng Bank’s billing dates are the 1st, 3rd, 6th, 9th, 11th, 13th, 16th, 19th, 21st, 24th, 26th and 28th of every month, which can be changed once every calendar year.

Ping An Bank’s statement dates are on the 5th, 10th, 15th, 20th and 25th of each month; it can be changed once a year.

Guangdong Development Bank is divided into cities. Each city has its own billing day, which cannot be changed: For example: Beijing’s billing day is the 20th; Shenzhen’s billing day is its own birthday. one day. If your birthday is March 5th, then the billing day is the 5th of each month.

Shenzhen Development Bank takes the 10th of every month as the bank settlement day.

The monthly statement date of Shanghai Pudong Development Bank is generated with the system. It is fixed for each cardholder and can be changed once a year.

Each cardholder of Hua Xia Bank has a different billing date, and your statement will list the billing date for each issue. It can only be changed once per year.

The Postal Savings Bank of China has billing dates on the 3rd, 7th, 9th, 11th, 21st and 26th of every month. Only credit cards that have issued statements can modify the billing date. The billing date can only be modified once a year. . If there are installment payments, account overdue, credit limit exceeded, etc., the billing date cannot be modified.