Generally speaking, the credit card is overdue for one month at the meeting. Because most credit cards only have a three-day grace period, if you haven't paid off your debts within the grace period, it's overdue, which will lead to overdue records. At the same time, the bank will upload your overdue records to the central bank's credit information system. Generally, the overdue records will be kept for 5 years (from the date when you pay off your debts).

However, if you are overdue for one month due to special circumstances, you can consider negotiating with the bank and ask the bank to issue a non-malicious overdue certificate for you, so as not to affect your credit investigation.

if the overdue interest of credit card is calculated late, consumers will pay the economic price. Specifically, overdue repayment will cause the following economic costs:

1. Liquidated damages: According to the Notice of the People's Bank of China on Credit Card Business, which came into effect on January 1, 217, the card issuer can agree with the cardholder whether to collect liquidated damages, and related collection methods and standards. Once the cardholder fails to repay, the card issuer has the right to collect liquidated damages as agreed.

2. overdue interest: the calculation of overdue interest is strict, and the starting time can be traced back to the date when the consumption is recorded. Generally, it is not cost-effective to calculate the cyclic interest at the daily interest rate of five ten thousandths. For example, the 1st of each month is the bookkeeping date and the 2th is the repayment date. If you spend 5 yuan on January 1st, the interest will be calculated from February 2nd, and the daily overdue interest will be 5 * .5. If you repay 4, yuan on the 19th of that month, the interest will be calculated based on 1 yuan from the 19th until the repayment date; If it is paid off on the 5th of next month, the interest will be 5 * .5 * 18+1 * .5 * 16 = 45+8 = 53 yuan.

3. Penalty interest: It is understood that it is the mainstream for banks to adopt the full penalty interest rule, and the interest calculated by sections is very small. What is the full penalty interest? For overdue customers, from the billing date to the repayment date, the penalty interest will be calculated on a daily basis, and then the compound interest will be calculated on a monthly basis (interest will continue to be calculated after adding the principal). The standard default interest rate is generally 3%-5% higher than the original loan interest rate. According to the regulations of the CBRC, it is not illegal to impose a full penalty interest.

4. Formation of credit stain: Generally speaking, banks report credit reports according to the rule of "three consecutive times and six consecutive times", that is, once a customer has "three consecutive months overdue repayment" or "accumulated six overdue repayment", the People's Bank of China will list it as a problem customer and record "bad credit" in the personal credit information system, and the future of the customer's house purchase or car purchase will be uncertain.