Credit card arrears are generally overdue after three days. If there is a grace period, it is not overdue within the grace period; However, in the case of strict bank regulations, it is overdue to pay it back one day late. If there is a credit card institution with a grace period for repayment, as long as the repayment time of the loan it applied for does not exceed the grace period for repayment, it will not be considered overdue and will not go to the credit information system for the time being. Legal objectivity:

Article 577 of the Civil Code. If one party fails to perform the contractual obligations or the performance of the contractual obligations is not in conformity with the agreement, it shall be liable for breach of contract such as continuing to perform, taking remedial measures or compensating for losses. Article 578 Where a party expressly expresses or shows by his own behavior that he will not perform his contractual obligations, the other party may request him to bear the liability for breach of contract before the time limit for performance expires.