A credit card that is one day past due may affect your credit.

Details:

1. A credit card that is overdue for one day will cause an overdue record to appear on your credit record, which will have a negative impact on your credit score.

2. Credit score is an important indicator for financial institutions and other creditors to evaluate your credit risk. Overdue payments are seen as a sign that you are behind on your payments or unable to repay your debt on time, which can lower your credit score.

3. Smaller overdues may have less impact on credit scores, but frequent or long overdues will have a more serious negative impact on credit scores. A drop in your credit score could make it difficult for you to apply for a loan, credit card, or other financial product in the future, or result in you receiving a higher interest rate.

4. If you are late on a payment and fail to resolve the balance you owe, you may face collection actions, legal proceedings, or other serious consequences, further exacerbating the negative impact on your credit.

5. It is recommended that you repay on time to maintain a good credit record, and communicate with the credit card issuer as early as possible to resolve any repayment issues.

Summary:

Being one day past due on a credit card can have a negative impact on your credit, including lowering your credit score and possible application difficulties. Regular repayments are key to maintaining a good credit history.

Extended information:

A credit score is a score calculated based on an individual's credit record and is used to evaluate a person's ability to repay debt and credit risk. Specific credit scoring models may vary in different countries and regions. In China, credit scores are mainly managed by the People's Bank of China Credit Reference Center (PBCC), which uses a credit reference system based on personal credit information.

Note: The above information is for reference only. If you need more information, please consult a professional financial institution or lawyer.