First, credit cards (debit cards) repay within the grace period, because banks have a three-day grace period, and repayment on time will not affect users.

Second, if the repayment period is three days, even if it is overdue, it will affect the credit investigation;

1, overdue repayment and bad credit will affect the user's future loan and bank card application;

2. In case of overdue repayment, the bank will charge 0.5 ‰ interest on a daily basis, compound interest on a monthly basis, and charge 5% late fee for the unpaid part of the minimum repayment amount, so the repayment should be made on time.