The reason for this is the following：
Huaxia Bank credit card "time service" means that when the cardholder fails to repay the loan before the final repayment date, the issuing bank will provide the customer with a three-day delayed repayment service. If the cardholder repays the loan within the grace period, the bank will regard it as timely repayment, so four days is overtime.
The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.
If it's overdue, you'd better call the bank customer service and explain the reason for the overdue repayment. Now that the banking system is becoming more and more willful, you can listen to the explanation of users' overdue repayment, and forgetting to repay once will not be blacklisted. However, if the repayment is often forgotten, the bank has reason to think that it is intentional.
Extended data
In any of the following circumstances, it shall be recorded in the bank's bad records
1. Customer's current situation in the Bank's personal credit information system or bank and interbank accounts (including housing loans, automobile consumption loans, personal consumption loans, credit cards, etc.). ) overdue, or have a bad record of more than 90 days overdue within one year.
2. Knowing that the customer has one of the following circumstances through other credit channels.
(1) Being listed in the bad customer information database of banks, peers or credit reporting institutions due to illegal card use; ?
(two) the defendant has a major lawsuit or arbitration and other legal disputes;
(3) maliciously defrauding bank funds;
(4) Having a criminal record during his imprisonment or in the last seven years.
3. Other bad credit behaviors identified by the issuing bank.
4. The customer has a bad record of more than 60 days overdue in the bank credit information system within 12 months (that is, the overdue status flag is "3").
If the minimum repayment amount can be guaranteed and only the loan interest is charged, it will not be overdue and there will be no bad record. A bad record is a failure to fulfill repayment obligations after a malicious overdraft.
Reference source: Baidu Encyclopedia: Bad bank records