A credit card repayment that is ten days late is considered an overdue repayment. Generally speaking, credit cards have a grace period of 1-3 days for repayment. A ten-day late repayment has obviously exceeded the repayment grace period, so it is naturally considered an overdue repayment. Late payment. In addition to affecting your personal credit score, late repayment will also incur late fees. Frequent overdue repayments will also cause credit stains, resulting in the inability to apply for loans and credit cards. Instead of overdue due in bad faith, it is best to ask the bank to issue a certificate of overdue due in bad faith after settling the debt.

First, according to the provisions of the China Bank Card Industry Self-Discipline Convention: Banks must provide tolerance and time-tolerance services for credit card users who are unable to repay their loans on time. Tolerance generally means that when the outstanding amount is less than or equal to 10 yuan, it is regarded as full repayment; tolerance time provides the cardholder with a certain repayment period, usually at least 3 days. Of course, the self-discipline convention is just an agreement of an industry association, not a legal system, so it does not mean that all banks will comply 100%. This is just like the upper limit of deposit interest rates agreed by the interest rate self-regulatory association, but there are still some banks that will break this limit.

The extended time service is the extended time period of my country's major national banks. Except for ICBC, which is known as the world's largest bank, all other banks provide extended time services, which is the longest in terms of time. It is 4 days for Postal Savings Bank (Bank of China’s Platinum Card has a 6-day grace period), the lowest is 2 days for Agricultural Bank of China, and the rest basically meet the requirements of the self-discipline convention of at least 3 days. Back to the question, if your credit card expires on the 9th and is repaid on the 10th, as long as it is not an ICBC credit card, it will not be considered overdue

Second, according to the bank self-discipline convention, the tolerance amount is at least For amounts equivalent to more than 10 yuan, from a practical point of view, except for ICBC, which has not complied with it, other banks have implemented standards that meet this requirement, and some banks have even raised it to the range of 100 yuan. That is to say, assuming that you owe 1,000 yuan, if you repay 990 yuan, it will not be overdue in other banks except ICBC; if you repay 900 yuan, it will not be overdue except in Agricultural Bank of China and Everbright. The banks are all overdue.

Third, will the credit report be submitted? For most people, the most concerned thing is whether the short-term overdue will be reported to the credit report. Before the second-generation system is launched, short-term overdue payments will not be accepted. There is a time gap between the time when you are overdue at the bank and when you report it to the People's Bank of China, and if you repay within the time limit, the bank will generally not report it; however, the current second-generation credit reporting system is direct Yes, if your loan/credit card in the bank is overdue and the interest is overdue, it will usually be updated on the personal credit report of the People's Bank of China the next day. Therefore, if you are overdue on the 9th and repay the loan on the 10th, it will still be on the credit report. There are overdue records on the Shanghai Stock Exchange.

Fourth, there is no need to worry too much about this overdue record, because banks generally do not pay too much attention to short-term, small-amount overdues when reviewing credit, of course, provided that this does not occur frequently. Such situations (such as accumulating six times in two years), in this case, even a small overdue amount will still affect your subsequent loans in the bank.

Fifth, in summary, when there are sufficient funds, it is best to repay the loan directly and in time after receiving the bank's repayment text message (usually three days in advance). Sometimes we want to repay on the due date. But we often forget on the day that if we do this frequently, it will actually have a relatively large impact on our personal credit, so we must repay it in time.