Credit cards that are overdue for two days will not generate bad records, thanks to the provisions of the "China Bank Card Industry Self-Discipline Convention". According to the Convention, card issuers should remind cardholders to repay through various channels at least 3 days before the due date of credit card repayment to ensure that cardholders have sufficient time to complete repayment. The Convention also provides cardholders with a "time-tolerant service", that is, repayment within a grace period of at least 3 days after the repayment date, and repayment during this period is deemed to be repayment on time.

The goal of the Convention is to maintain fair competition and healthy development in the bank card market. It is based on national laws, regulations and regulatory requirements, and is combined with the actual bank card business. However, it's worth noting that while short-term overdue payments won't immediately result in a bad record, there are consequences to late payments. For example, cardholders may be required to pay a penalty fee, usually 5% of the minimum payment, and may incur high interest rates. Overdue records may also affect personal credit, and may affect the processing of financial activities such as house purchases and loans within 2 years. If the debt is overdue for more than 3 months and the amount is large, and the bank has failed to collect the debt multiple times, not only does it need to return the debt, but it may also face legal proceedings, including criminal liability.