Repaying three days late will have an impact on your credit score.

First of all, late payment on a credit card is a breach of contract and will leave a bad record on your credit record, thus having a negative impact on your personal credit score.

Secondly, late payments can cause your credit score to drop. Credit score is one of the important indicators for evaluating personal credit status. Late repayment will lower your credit score, which may affect your future approval results when applying for loans, credit cards and other credit-related businesses.

Again, late repayment may result in the bank taking collection measures. Banks have the right to use legal means to collect debts, such as through phone calls, text messages, lawyer letters, etc., which will bring you a certain amount of harassment and pressure.

To sum up, being three days late in repaying your credit card will have a negative impact on your personal credit score, including leaving a bad record, lowering your credit score, and the bank taking collection measures. Therefore, it is recommended to make timely repayments to maintain a good credit profile.

Extended information:

Credit card repayment is an important part of maintaining personal credit status. According to relevant regulations of the People's Bank of China, credit card repayments that are overdue for more than 30 days will be included in the credit reporting system, which will have a negative impact on personal credit records. A good credit record is directly related to an individual's credit ability in all aspects of society. Therefore, borrowers should abide by the agreed repayment period when using credit cards to ensure timely repayment.

In addition, late credit repayments can also trigger additional fees. When the bank does not receive repayment within the agreed repayment period, it will calculate penalty interest based on a certain interest rate and include it in the loan balance. Therefore, late repayment will not only have a negative impact on credit, but also increase the burden of repayment.

Therefore, for credit card holders, it is necessary to develop good repayment habits and ensure repayment on time. If you are unable to repay the loan on time due to special circumstances, it is recommended to contact the bank for communication in a timely manner and repay the debt as soon as possible to avoid bad records and credit losses.