A credit check will be conducted on overdue credit cards within 8 days.

Details are as follows:

1. Failure to pay off overdue credit card repayments in time will have a negative impact on personal credit records. If the payment is overdue for 8 days, it will most likely be recorded on the personal credit report of the credit bureau.

2. Credit bureaus are institutions responsible for recording personal credit status. Banks and other financial institutions will report personal credit status to credit bureaus. Generally speaking, overdue repayment will be regarded as bad credit behavior, and the longer the overdue period, the greater the impact on personal credit history.

3. Banks generally have a certain grace period before reporting overdue records to credit reporting agencies, that is, they will not report them immediately after a period of time after overdue repayment. However, the exact length of the grace period may vary depending on bank policies and individual repayment history.

4. After overdue records are reported to the credit bureau, the individual's credit record will be affected, which may have an adverse impact on the individual's credit score, credit limit, and future borrowing behavior.

5. It is recommended that all cardholders make sure to repay on time and avoid overdue repayments to maintain the good status of their personal credit records.

Summary:

A credit card that is overdue for 8 days may be subject to a credit report and have a negative impact on your personal credit record. In order to maintain a good credit status, cardholders should strictly abide by the repayment requirements and avoid late repayments.

Extended information:

Personal credit records are credit files formed by banks, financial institutions and credit reporting agencies based on personal credit behavior. They record personal repayment records, lending behaviors, etc. and assessment. A good credit record plays an important role in personal loans, credit card applications, renting a house, buying a car, etc. Therefore, timely repayment and avoiding overdue payments are one of the important ways to maintain personal credit records.

Extended reading:

1. Credit reporting agencies: The main credit reporting agencies include the Credit Reporting Center of the People's Bank of China, China Financial Credit Information Basic Database (referred to as "Credit China"), etc. They are responsible for collecting, organizing and managing personal credit information and providing credit reports to business organizations.

The above are answers based on the impact that overdue credit cards may have on personal credit records. Please note that the specific impact may vary due to various factors and is subject to actual conditions.