A credit card payment that is 4 days late will be considered overdue.

The consequences of overdue repayment include:

1. Penalty interest: The bank will charge a certain amount of penalty interest based on the number of overdue days and overdue amount. This is because overdue repayment violates the credit card regulations. Contract provisions.

2. Damaged credit record: Late repayment will have a negative impact on an individual's credit record, which may lead to a decline in credit rating, which will then affect future credit approvals for loan applications, car purchases, house purchases, etc.

3. Late payment fees: In addition to penalty interest, the bank will also charge a certain late payment fee as a punitive measure based on the overdue situation.

4. Limit the limit: Banks may limit the limit or stop providing overdraft services to overdue cardholders to reduce risks.

5. Bad record: Continuous overdue repayments may be recorded in the personal credit report and become a bad record, seriously affecting the personal credit status.

To sum up, a credit card payment that is 4 days late is considered overdue. Overdue repayment will bring many consequences such as penalty interest, damage to your credit record, late payment fees, limit limits, and bad records.

Extended information:

The specific consequences of late repayment may vary slightly depending on personal credit card contracts, bank policies and other factors. It is recommended to repay in time to avoid overdue problems. If you are indeed unable to repay as scheduled, you can communicate with the card-issuing bank and make repayment arrangements as soon as possible to avoid adverse consequences.