That depends on whether your credit card has a grace period. Under normal circumstances, ordinary bank credit cards have a three-day repayment grace period. If you pay back the money within the grace period, your credit history will not be affected. However, for credit cards without grace period, one day overdue repayment is overdue, which will affect the credit history.

Late repayment of credit cards will also affect your credit history. Under normal circumstances, the bank will charge a certain amount of interest for overdue repayment, usually five ten thousandths of interest, and the interest start date will be calculated from the date of consumption.

In addition, if you choose the minimum repayment method, or use the card when the credit limit approved by the issuing bank is exceeded, you can enjoy the interest-free repayment period, and you have to pay the overdraft interest calculated at the specified interest rate from the bank bookkeeping date.