Legal analysis: Credit card overdue 1-3 days will be reported. At present, banks have different degrees of grace period for credit card repayment. As long as the repayment is made within the grace period, the overdue record will not be reported to the central bank, nor will it cause overdue. However, overdue credit cards will generate overdue interest. After the prosecution, the court ruled that the bank can apply for compulsory execution. If it is enforced by the court, the bank account will be sealed up, the deposits in the account will be forcibly deducted, and the property such as houses will be sealed up and auctioned.

Legal basis: Article 2 of the Regulations on the Administration of Credit Information Industry in People's Republic of China (PRC) refers to the activities of collecting, sorting, preserving and processing the credit information of enterprises, institutions and other organizations (hereinafter referred to as enterprises and individuals) and providing it to information users. The provisions of Chapter V of these Regulations shall apply to the collection, collation, preservation, processing and provision of information in the basic database of financial credit information established by the state. These Regulations do not apply to the collection, collation, preservation, processing and publication of enterprise and personal information by state organs and organizations authorized by laws and regulations to manage public affairs in accordance with laws, administrative regulations and the provisions of the State Council.

Article 676 of the Civil Code of People's Republic of China (PRC) If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.