If your CCB credit card is overdue for one day, it will have an impact on your credit report.

Specifically, one day overdue on a CCB credit card will have a certain negative impact on personal credit, but this impact is relatively small. The following are detailed instructions:

1. Credit score decrease: One day overdue will cause the credit score in the personal credit report to decrease. Credit scores are calculated by credit reporting agencies based on factors such as an individual's credit record and repayment behavior. Overdue payments will be recorded in the credit report, directly affecting the assessment of credit scores. A one-day delinquency is relatively short and has a relatively small impact on your credit score.

2. Bad record: Late repayment will leave a bad record in the credit report. Credit reports are the basis for banks and financial institutions to inquire about personal credit status. Overdue repayment records will become one of the bad records in the credit report. Bad records will be kept in personal credit reports for a period of time, which will have an impact on future borrowing and credit activities. However, a one-day overdue payment will have a relatively small impact on bad records, and the recovery of credit will be relatively fast.

3. Loan application affected: Late repayment may have an adverse impact on loan application. Some financial institutions will check an individual's credit report and credit record when approving a loan. Late repayments will be regarded as bad credit, which reduces the approval rate of loan applications. However, the impact of being one day late is relatively small and will not have a significant impact on your loan application.

To sum up, being one day overdue on a CCB credit card has a certain impact on personal credit reporting, but this impact is relatively small. If there is an overdue situation, paying off the debt promptly and ensuring on-time repayment in the future can help restore your personal credit status.

Extended information:

Credit reporting refers to a system that records and evaluates the credit status of individuals or businesses. Through this system, the credit records and credit scores of individuals or businesses can be viewed. Credit reporting agencies are institutions responsible for managing and providing personal and corporate credit information, such as the Credit Reporting Center of the People's Bank of China (referred to as the Credit Reporting Center), the credit reporting departments of various banks and other financial institutions, etc. Credit bureaus calculate a credit score based on an individual's credit record and repayment status to evaluate an individual's credit status.

Personal credit report is an important basis for measuring personal credit status and has an important impact on financial activities such as personal loans and credit card applications. Therefore, maintaining a good credit record and repaying your loans on time are important aspects of maintaining your personal credit profile. For overdue situations, taking timely remedial measures and maintaining good credit behavior will help restore and improve personal credit.