If it is five days overdue, it will be considered overdue and will be displayed on your credit report.

Details:

1. The credit card repayment date is the 23rd of each month. Overdue refers to failure to repay the debt on time beyond the repayment date.

2. According to the description of the situation, although the repayment date was recorded incorrectly when I first used the Ping An Credit Card, I did not receive a bank text message until five days after the due date. This means that the balance owed is not paid in full within five days of the due date.

3. Banks usually upload overdue records to personal credit bureaus, and overdue records in personal credit reports are one of the important factors that have a negative impact on personal credit evaluation.

4. Therefore, even if the overdue amount is only five days and is repaid immediately, the overdue amount will still be shown in the credit report and have a certain adverse impact on personal credit evaluation.

Summary:

If a credit card is overdue for five days after the repayment date, even if it is repaid in full immediately, this overdue record will be displayed in the credit report and have a negative impact on the personal credit evaluation. negative impact.

Extended information:

Credit reporting refers to a system that collects, organizes and analyzes personal credit information to form a personal credit file and is used to evaluate personal credit status. Personal credit reports are generated and maintained by credit reporting agencies and are mainly used by financial institutions, businesses and individuals to evaluate the credit status of others. Overdue records refer to the failure to repay debts or arrears on time, and are regarded as one of the risk factors in personal credit reports. Banks usually upload overdue records to credit bureaus, which are kept in personal credit files and affect an individual's credit assessment.