Yes, an Agricultural Bank of China credit card payment that is 3 days late is considered overdue.

Specifically, for the repayment of credit card bills, there is usually a final payment date. If the payment is made before the final payment date, it will not be considered overdue. However, if the payment is not made by the last payment date, it will be considered overdue. In this case, the overdue period is generally calculated from the first day of the final payment date. Therefore, paying 3 days late means your credit card bill is overdue.

Late repayment has a negative impact on personal credit history. The longer the overdue period, the greater the impact on your credit score. In addition, banks may charge certain late fees or interest on late payments.

If your credit card payment is overdue, it is recommended that you contact the Agricultural Bank of China as soon as possible and communicate proactively. You can explain the reasons to the bank and request that the overdue amount be paid off as soon as possible. A cooperative attitude and proactive communication may help reduce some of the adverse effects. In addition, make sure to repay on time in the future to avoid overdue payments again.

In short, an Agricultural Bank of China credit card payment that is 3 days late is considered overdue. Late repayments have a negative impact on a person's credit history and late fees or interest may be charged. It is recommended to contact the Agricultural Bank of China as soon as possible and explain the reasons, request to pay off the overdue amount as soon as possible, and ensure timely repayment in the future.

More detailed information about credit card repayments and overdue information can be obtained from the Agricultural Bank of China’s official website or by consulting the customer service center. Please manage your credit cards properly and develop good repayment habits to maintain your personal credit record.