If it is paid the day before the repayment date (not less than the minimum repayment amount) or before the bill date, there is no problem. If it is paid one day before the bill date (not paid off), it needs to be paid again after the bill date, otherwise it will be considered overdue.

First, credit cards generally have a grace period of three days after the repayment date, and repayment within the grace period is regarded as timely repayment;

1. If it is paid off in full, no cost will be incurred;

2. If the repayment amount is less than the minimum repayment amount stipulated by the bank, it will be deemed overdue, with interest of 0.05%, and the unpaid part of the minimum repayment amount will be subject to a 5% late fee;

3. If the repayment amount is greater than or equal to the minimum repayment amount and less than the full repayment amount, interest shall be paid at 0.05%;

2. Repayment beyond the grace period is deemed overdue: interest is 0.05%, and there is a late fee.