It's gonna be okay. Under normal circumstances, there is a grace period of 3 days after credit card repayment, and 3 days overdue repayment will not cause bad records. Repayment within the grace period is regarded as timely repayment. If the repayment is not made within the grace period, it is likely to have an impact on credit.

If the minimum repayment amount of the credit card is greater than or equal to the minimum repayment amount, the minimum repayment amount of the credit card will not affect the credit investigation. Before the bank reports the overdue records to the central bank, it is best to contact the bank and repay the credit card.

What are the credit card repayment methods?

1, full repayment: after the bill comes out, it will be paid in one lump sum. This is the best repayment method, but it needs a lot of money.

2. Repayment by installments: After the bill comes out, the current bill will be repaid by installments, generally divided into 3/6/9/ 12/ 18/24 installments. The repayment pressure in this way is relatively small, but it needs to bear a certain installment fee.

3. Minimum repayment amount: Every bank will give users a minimum repayment amount (65438+ 00% of the current bill) at the next repayment, which is also the most uneconomical repayment method. If the bill is large, the interest expense will be high. It means that the minimum repayment amount is to spend more money to guarantee your credit, but to spend more interest.