Detailed description:

1. Credit card overdue refers to the situation that all the payables have not been returned after the last repayment date.

2. If the credit card is overdue within 3 days, you can choose the minimum repayment amount.

3. However, if the overdue time exceeds 3 days (including 4 days), even if the repayment is only a few days late, it is still considered overdue.

4. Overdue credit records will be damaged, resulting in corresponding overdue interest and late fees.

In order to avoid the consequences caused by overdue, it is recommended to repay in full or in advance.

Summary:

Credit card overdue for 4 days is considered overdue, and it is impossible to pay only the minimum repayment amount. Timely repayment is essential to maintain a good credit record.

Extended data:

According to the regulations of CBRC, overdue credit card is a breach of contract, and banks have the right to take corresponding measures, such as raising interest rates, reducing credit lines or canceling credit card services. At the same time, the overdue repayment will be recorded in the personal credit report, which may affect the individual's future credit evaluation and the approval result of applying for other loans.