If a credit card is paid three days late, it is considered overdue. The following is a detailed explanation of this issue:

1. The definition of on-time repayment: The repayment date of a credit card is usually fixed, and the cardholder needs to repay the entire balance on or before the repayment date. Only when the amount due is paid off completely before the repayment date will it be considered as on-time repayment.

2. Definition of overdue repayment: If the cardholder fails to repay the balance in full on any day after the repayment date, it is deemed to be overdue repayment.

3. The importance of repayment as soon as possible: Late repayment will cause the credit card company to charge overdue penalty interest to the cardholder, and will have a negative impact on the cardholder's credit record. Therefore, cardholders should pay off overdue balances as soon as possible to avoid further fees and credit losses.

To sum up, if a credit card is paid 3 days late, it will indeed be regarded as an overdue payment. In order to avoid the risk of late repayment, cardholders should always abide by the credit card's repayment regulations and repay in full before the repayment date.

Extended information:

According to China's financial regulatory policies, banks and credit card issuers force cardholders to repay their balances in full before the specified repayment date. When cardholders make late repayments, credit card companies usually charge them overdue penalty interest and report the overdue record to personal credit bureaus, which has a negative impact on the cardholder's credit rating. Therefore, cardholders should develop good habits of repaying their loans on time to maintain a good credit record.

It should be noted that different credit card companies may have slightly different repayment regulations and overdue policies. Cardholders should carefully read and understand the relevant terms and conditions when applying for a credit card, and comply with the repayment requirements of the card issuer. If you have any questions or confusion, you can consult or seek help from your credit card issuer.

In addition, cardholders may also consider setting up the automatic repayment function to ensure that the corresponding amount is automatically deducted from the bank account before the repayment date to avoid forgetting or delaying repayment. Timely repayment not only maintains a good credit record, but also avoids unnecessary fees and hassles.

Therefore, cardholders should strictly abide by the repayment regulations and repay in full as soon as possible to avoid the risk and adverse consequences of late repayment.