See how long you are overdue. It won't affect your personal credit within three days, but it will after three days. Please return it as soon as possible. If it's only a day or two late, your personal credit report was quite good before. You can call hengfeng bank and ask how to handle it. Bind the salary card with the credit card, set the automatic repayment time, and pay it back every month when you pay your salary. Personal experience must be consumed rationally, my friend. If you don't get a credit card, your life will be affected in the end. If you don't understand, you can continue to ask or Baidu search.