4 days' delay in repayment is overdue payment. In any bank, the grace period of credit card repayment will not exceed 3 days, so in general, it will be considered overdue after 4 days. Repayment after 4 days means that the grace period of credit card repayment has passed. According to the regulations of the bank, as long as the money is repaid within the grace period of credit card repayment, even if it is overdue, it is overdue if it exceeds the prescribed time.

will the cancellation of a credit card affect the personal credit report?

Cancelling a credit card has no direct impact on credit. Generally speaking, it is only because the money in the card has not been settled or has expired. Therefore, before deciding to cancel the credit card, the individual must confirm whether the amount in the card has been fully settled, otherwise it will cause some trouble for himself, and it will be more difficult to apply again next time.