Whether a credit card is overdue for one day will have an impact can be divided into the following situations:

1. If the issuing bank provides a grace period, it will have no impact if the credit card is returned one day later. The cardholder only needs to repay the credit card balance within the credit card grace period.

2. if the issuing bank does not provide a grace period for repayment, even if the credit card is repaid one day late, it will have an impact. It will affect the cardholder's personal credit, will generate penalty interest, and will also affect the normal use of credit cards.

what should I do if my credit card is unable to repay?

1. apply for negotiated repayment: the cardholder can call the customer service phone of the issuing bank to inform the staff that the repayment cannot be made, and apply for reducing the repayment interest or commission and delaying the repayment period. With the approval of the bank, the cardholder can repay according to the new repayment plan.

2. Apply for installment repayment: If the cardholder can't pay off the balance at one time, he can apply to the bank credit card center for installment repayment, so that each installment can be repaid gradually.

3. Apply for minimum repayment: If the cardholder has cash flow problems in a short time, he can apply to the bank credit card center for a minimum payment of 1% of the current bill amount, and wait for repayment of the remaining amount in the next period.