It is considered overdue, but it is short-term overdue. The grace period of most credit cards is generally 1-3 days. If a user repays 7 days late, he has exceeded the repayment grace period. If he repays after the repayment period, the bank will consider the payment to be overdue. If the credit card does not have a grace period for repayment, then the user must repay the loan on the due date. If there is a repayment grace period, as long as the user repays within the grace period, it will be regarded as normal repayment. It should be noted that in addition to repaying the loan within the specified time, you must also ensure that the funds arrive within the repayment time. If the funds do not arrive, it may be overdue.

What are the conditions for credit card application?

1. The applicant must be between 18 and 60 years old and have full capacity for civil conduct.

2. The applicant has a stable and legal job and source of income, and has the ability to repay the debt on time.

3. Maintain a good credit record with no bad records.

4. Meet other requirements stipulated by the bank.