Doesn’t count. In principle, if a credit card fails to pay the minimum payment by the final payment date, it is considered overdue. However, since credit cards have a three-day grace period, which is generally calculated from the day after the final repayment date, even if the repayment date has passed, repaying it within three days will generally not be considered overdue, and it will not affect your personal credit record; if If it is not returned within three days, it will be considered overdue.