The credit card grace periods of different banks are different. Normally, if a credit card payment is overdue for more than 3 days, it will affect the user's personal credit report.

Overdue credit cards will be subject to a credit report. Most banks in my country have a grace period for credit card repayments. Normally, the grace period is 3 days. For example, the Industrial and Commercial Bank of China and China Construction Bank, etc., if users repay their loans promptly within the grace period, their credit will not be affected. If the user fails to repay the loan after the grace period, the credit report will be reported, thus affecting the user's personal credit report.

Of course, some banks have a grace period of 5 days. The grace period for specific bank credit cards is subject to the corresponding bank regulations.

What are the consequences of being three or four days overdue on a credit card?

If the credit card has a 3-day grace period, then there will be no impact if the credit card is delayed for 3 days, and the payment on the 4th day will be considered overdue. However, credit cards have no grace period, or only 1 to 3 days, so being overdue for 3 to 4 days will result in overdue credit being recorded and corresponding overdue penalty interest.

In addition, in addition to affecting your credit report, an overdue credit card may also affect subsequent use and cause the credit card to be frozen.