Being 2 days overdue will not affect your credit report. According to the query on Hualu.com, credit cards all have a grace period, which ranges from 1 to 3 days. As long as the loan is paid off within the grace period, no bad record will be generated. Therefore, being overdue for 2 days will not affect your credit report. A credit card is an electronic payment card issued by a commercial bank or other financial institution. It has all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. It is also a non-cash transaction payment method. It is a simple credit service. You can consume first and then repay, and enjoy the interest-free period. This is a way of financial management. The form is a special plastic card with the card-issuing bank name, validity period, number, cardholder name and other contents printed on the front, and a magnetic strip, signature strip, etc. on the back. Cardholders can withdraw cash, purchase goods, etc. by signing on the card at designated banks, stores, etc., and can also overdraft small amounts of cash.