There will be consequences if your Minsheng Bank credit card is overdue for two days. It should be noted that Minsheng Bank credit card has a 3-day grace period for repayment. If the cardholder repays the card in full or reaches the minimum repayment amount within 3 days after the repayment date, it will not be considered overdue. If you pay after the grace period, it will be considered overdue. If a Minsheng Bank credit card is overdue for two days, the bank will charge overdue interest at a daily interest rate of 0.5%, and the cardholder will also have a bad credit record.