the problem of overdue interest on credit cards needs to be analyzed in combination with credit card contracts and relevant laws and regulations. Generally speaking, every bank has regulations on the charge of overdue interest, and the amount of interest charge for one day is usually a certain proportion of the loan balance. According to the Contract Law of the People's Republic of China and the Law of the People's Republic of China on the Protection of Consumers' Rights and Interests, it is legal for banks to charge overdue interest reasonably, but the specific interest rate and charging standard must be clearly stipulated in the contract and cannot be raised at will.

It is worth noting that even if interest is generated by one day overdue, the money should be treated rationally and paid off in time, so as not to affect the personal credit record and even be included in the credit information system. Although many online loans are not available for credit reporting now, each small loan platform has its own third-party big data credit platform. If there is overdue or non-payment in one company, then the third-party platform it cooperates with will leave a record, and then you want to apply for a loan on other small loan platforms, which is basically difficult to pass. You can get a big data report on "Beijian Quick Check" to keep abreast of your big data situation. It is an online loan big data query system that provides accurate and complete data information for online loan applicants.

to sum up, the interest generated by the overdue credit card for one day is legal, but the specific interest rate and charging standard should be clearly stipulated in the contract. Credit card holders are advised to repay overdue payments in time to avoid adverse effects on personal credit.