Credit cards that are two days overdue will not affect your credit report.

1. Most banks will set a three-day grace period for repayment. As long as the repayment is within the grace period, it will not affect the credit report. Therefore, in this case, the credit card repayment will not be overdue for two days. It will affect the integrity;

2. Some banks do not have a repayment grace period for certain card types; some banks have a repayment grace period of one day. In this case, the credit card is overdue. Two days of repayment will affect your credit score.

Solutions for overdue credit cards:

1. If the cardholder forgets to repay the card and discovers it is overdue, he must repay it as soon as possible, preferably in full. Call the bank's credit card center and declare that the debt is not malicious. If the overdue time is short, the bank may not count the bad records;

2. When the credit card is overdue and unable to repay due to unemployment, illness, etc., the cardholder should proactively contact the bank's credit card center before the repayment period. Explain your financial situation, declare that you do not owe money maliciously, and apply for deferred repayment or installment repayment;

3. Cardholders actively apply for deferred repayment, and banks will often agree to the extension. Banks and cardholders People agree on a mutually acceptable repayment plan. In this way, the bank will not record bad records, but you must repay on time after applying for an extension.

Legal basis: Article 57 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

The card-issuing bank shall clearly stipulate in the credit card acceptance contract (agreement) that the cardholder shall The specific operating procedures for asset repayment of credit card loans. Without the cardholder's authorization, the cardholder's assets may not be used to directly repay credit card accounts receivable. Except as otherwise provided by national laws and regulations.

When the card-issuing bank receives the cardholder's repayment, it will offset the various arrears of the credit card account in the following order: if it is overdue for 1-90 days (inclusive), the interest receivable first or Various expenses will be offset in the order of principal, and if the payment is overdue for more than 91 days, principal will be offset first, followed by interest receivable or various expenses.