Whether a credit card payment on the same day is considered an overdue payment depends on the time of payment. If the repayment arrives on the repayment date, it is not considered overdue; if the repayment does not arrive on the repayment date, it depends on the bank's grace period. If it is within the grace period, it is not considered overdue; if it is not within the grace period, it is considered overdue. (Common banks have a grace period of 1-3 days, and some banks’ platinum cards can have a grace period of 9 days)

Payment on the credit card repayment date is not considered overdue, because credit card repayments are generally received immediately. Yes, as long as you repay before 24:00 on the repayment date.

The analysis is as follows:

1. For credit card non-cash transactions, the period from the bank accounting date to the due repayment date is the interest-free repayment period;

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2. The interest-free repayment period varies according to the regulations of each bank. The shortest is from the bill date to the last repayment date, and the longest is from the day after the bill date to the last repayment day of the next month;

3. If the bill date is the 1st and the final repayment date is the 20th, the minimum is 20 days and the maximum is 50 days;

4. During this period, you only need to pay off the current period in full The current period's repayment amount shown on the statement will eliminate the need to pay interest on any non-cash transactions in which the bank advances funds to the store (cash advances do not enjoy the interest-free discount).

The repayment date of a credit card is the last repayment date, which is usually around the 18th day after the bill date. Users need to pay off the bill before the repayment date. If the bill is not paid after the due date, the bank will consider you overdue. , and calculate overdue penalties and other fees, and also submit credit reports to generate overdue records.

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1. Consequences of overdue payment

2. High interest, and compound interest. The interest rate is very scary when the debt is large. .

3. Overdue credit records will be stained, resulting in the inability to handle financial needs such as house purchases and loans within the next two years.

4. If the payment is overdue for more than 3 months, and the amount exceeds RMB 10,000, and the bank has failed to pay multiple reminders, you will not only have to bear the repayment, but may also bear criminal liability.