Some banks have a grace period. If the cardholder repays within 2-3 days after the due repayment date, it is not overdue. So you can ask the customer service of the bank if there is a grace period first. If not, then even if it is overdue, if you don't need to apply for a loan in the last two months, it will have little impact on your personal credit. You must use the card normally in the future, and don't have bad credit information.