If you forget to repay your credit card and it is overdue for 3 days, your credit report will not be reported. Credit cards, also called credit cards, are mainly used for overdraft consumption. After the user applies for a credit card, the bank will give the user a certain limit, and the user can make overdraft purchases within the limit. After overdrafting the credit card, the user needs to repay, which is a way of spending first and repaying later. Credit cards, like debit cards, are rectangular bank cards. Credit card is a payment method that does not require cash transactions. After applying for the credit card from the bank, you can spend it directly without paying the fees yourself. It is a short-term borrowing behavior that needs to be repaid later. Credit cards have a 3-day grace period for repayment. As long as the cardholder pays the minimum payment before 24:00 on the third day after the due payment date, it will not be considered overdue. That is to say, as long as the cardholder pays the minimum payment within 3 days after the due payment date, It is safe to overdue a credit card within a few days, but if you have not paid off the loan after the grace period, you will be put on the credit report list. Bank lending refers to the economic behavior in which banks lend money to people or enterprises in need of funds at a certain interest rate through national travel-related policies, and require them to return the corresponding principal and interest within an agreed time. In bank lending, the lender refers to the financial institution established in my country to engage in loan business that issues loans, while the borrower refers to the enterprise organization or self-employed natural person who obtains funds from the lender. Bank borrowings are mainly divided into long-term borrowings and short-term borrowings. These borrowings can be used for corporate or individual capital turnover, purchase of fixed assets, etc. According to the institutions that provide loans, bank loans can be divided into policy bank loans, commercial loans and loans from other financial institutions.