Credit cards can be overdue for up to 3 days. Credit cards have a grace period for repayment. As long as the cardholder repays within the grace period, it is not overdue. However, once the repayment exceeds the grace period, it is overdue, which not only charges overdue penalty interest, but also affects personal credit information.

Overdue credit card refers to the failure of the credit card user to repay the loan he used on the repayment date stipulated by the bank. If the credit card is not returned within the time limit, it may affect the individual's credit investigation in the bank and adversely affect the future loan. Banks will also charge some interest on overdue payments.

If the credit card is overdue, the first thing to do is to pay off the debt in time and maintain a good credit. If you pay off your debts after the deadline, don't close your account in a hurry. You can use this card more and repair credit cards with good credit records. Overdue records will be topped by good records, and don't lose contact after the deadline. In this way, banks may think that you are "running away", doubt your credit even more, and even sue you.

In our daily life, credit cards are the first choice for many young people. Payment is faster and more convenient, without spending cash. Spend it this month and return it next month. Many people use credit cards as a means of payment, but the use of credit cards is also skillful. Many people find that using credit cards can choose the minimum repayment amount, so they are more and more impulsive, but they are dumbfounded if they are not serious.

Credit card involves credit investigation, so it's best not to overdue it. If the money is really overdue, you should pay back the money you owe immediately, and pay the late fee and interest. This is only one aspect, on the other hand, it depends on the length of overdue time. If it is only a day or two overdue, don't worry too much. Under normal circumstances, banks will set a grace period, and repayment within the grace period has no effect.

But if it is overdue for a long time, the bank will send a text message to remind me first, and then call me to collect it. If you still don't repay, the bank will call the contacts in the address book for collection, and the bank will report it to the credit information system, which will seriously affect the credit information. For those who owe money maliciously, the bank may even sue. Therefore, if the credit card is overdue, you must pay back the money as soon as possible and develop a good habit of using the card. Once the credit information is damaged, it is really necessary.