detailed description:

1. According to the credit card agreement, the repayment deadline is the deadline stipulated by the bank. If the repayment is not made after this date, it is overdue.

2. overdue repayment may lead to penalty interest, late payment fee and credit record damage. The specific costs and consequences depend on the bank's policies and personal credit status.

3. For the first overdue, some banks will give a grace period or waive the penalty interest. However, generally speaking, even if the repayment is only one day late, the bank may still record it and take corresponding measures.

4. It is recommended to repay the loan on time to avoid overdue, and communicate with the bank when necessary to understand the relevant regulations and possible consequences.

5. In China, one-day late repayment of credit cards is usually regarded as overdue, so it is necessary to pay attention to the repayment period and maintain a good credit record.

Extended information:

Overdue repayment refers to the failure to repay the loan or credit card bill before the agreed repayment date. Overdue repayment may lead to serious consequences, such as penalty interest, late payment fee, credit rating decline and being included in bad credit records. Therefore, timely repayment is an important part of maintaining good credit. Banks usually set a grace period to give customers some time to remedy the overdue situation. However, the specific grace period policy will vary according to the bank and individual situation, so it is the best practice to repay on time as much as possible before the repayment date.