A credit card can be overdue for up to 3 days without affecting your credit.

How to eliminate the credit report after the credit card repayment is overdue:

1. If the overdue payment is caused by the work error of the financial institution, you should appeal to the institution and clarify the facts so that it can be eliminated. Bad records;

2. Overdue due to untimely repayment by an authorized third-party institution, or overdue due to the limited amount of some third-party transfer payments. These operations have nothing to do with the customer. You can try to apply to the financial institution Eliminate overdue records;

3. For overdue repayments caused by failure to receive bills, you can apply to financial institutions for verification, and they will handle overdue credit records;

4 . If a small amount of debt is not repaid, and it is overdue due to some unnoticed changes, you can try to apply to the bank to cancel it;

5. If the overdue amount is caused by false information, if personal information is stolen, you can apply to the local Chinese If the People's Bank of China files an objection application, it will give you a reply within 15 working days. If it is confirmed that you are not responsible, the bad record will be eliminated.

Legal basis: Article 13 of the "China Bank Card Industry Self-Discipline Convention"

Member units should strengthen publicity work on bank card use and risk prevention to ensure that customers are familiar with bank card usage. Have full rights to know and choose regarding business interest accrual, charging standards and related risks.

(1) Member units should strengthen the disclosure of credit card business information and fully reveal the meaning of credit card interest calculation rules. They should clearly state the interest calculation rules in prominent fonts in the credit card application form and publicize them through websites and other channels. Provide calculation rules and simulation cases;

(2) Member units should implement regulatory requirements and choose credit card interest calculation methods and corresponding preferential measures suitable for their own development based on actual conditions, but relevant information should be Clearly inform the credit card applicant (or cardholder) to ensure that the applicant (or cardholder) can decide whether to accept it according to his or her own wishes.

(3) Member units should provide repayment reminders to cardholders at least 3 days before the due date of the credit card through bills, text messages, emails, phone calls or letters.

(4) Member units can provide multiple billing dates for cardholders to choose and change, and the number of changes can be limited.