Different banks have different time limits for overdue credit reporting. Generally speaking, credit cards will be overdue for about 1-3 days. At present, banks have different degrees of grace period for credit card repayment. As long as the repayment is made within the grace period, the overdue records will not be reported to the central bank, and it will not cause overdue. The grace period of credit card repayment varies from bank to bank, usually 1 to 3 days. If the credit card is repaid within the grace period, the bank will repay the loan on time by default, which will not affect personal credit information. If there is no repayment after the grace period, it may be uploaded to the central bank's personal credit information system, which will have an impact on credit information. Legal basis: Regulations on the Administration of Credit Information Industry Article 2 These Regulations shall apply to credit information business and related activities in China. The term "credit business" as mentioned in these Regulations refers to the activities of collecting, sorting, saving and processing the credit information of enterprises, institutions and other organizations (hereinafter referred to as enterprises) and individuals, and providing them to information users. The provisions of Chapter V of these Regulations shall apply to the collection, collation, preservation, processing and provision of information in the basic database of financial credit information established by the state. These Regulations do not apply to the collection, collation, preservation, processing and publication of corporate and personal information by state organs and organizations authorized by laws and regulations to manage public affairs in accordance with laws, administrative regulations and the provisions of the State Council. Article 3 of the Regulations on the Administration of Credit Information Industry shall abide by laws and regulations, be honest and trustworthy, and shall not endanger state secrets or infringe on business secrets and personal privacy. Legal objectivity:

: Article 13 of the China Convention on Self-discipline of Bank Card Industry, member units should strengthen the public propaganda work on the use of bank cards and risk prevention, and ensure that customers have full right to know and choose the interest, charging standards and related risks of bank card business. (a) member units should strengthen the disclosure of credit card business information, fully reveal the meaning of credit card interest-bearing rules, clearly explain the interest-bearing rules in prominent fonts in credit card application forms, and provide calculation rules and simulation cases through publicity channels such as websites; (2) Member units shall implement the requirements of regulatory rules and choose the credit card interest rate collection method and corresponding preferential measures suitable for their own development according to the actual situation, but they shall clearly inform the credit card applicant (or cardholder) of the relevant information to ensure that the applicant (or cardholder) can choose and decide whether to accept it according to their own wishes. (3) The member unit shall remind the cardholder of repayment at least 3 days before the due date of repayment of the credit card by means of bills, short messages, emails, telephone calls or letters. (4) Member units can provide multiple billing sheets for cardholders to choose and change, and the number of changes can be limited. The above is my answer to this question. I hope it will help you. Thank you.