1. In general, a credit card is overdue if it exceeds the repayment date by three days. When the customer fails to repay the loan within the deadline of the repayment date, the bank will send a short message to the customer to urge the customer to repay the loan in time. However, some customers can't repay in time due to insufficient funds, and they can also apply for installment repayment. In short, customers can't delay the repayment period without reason.

2. When the credit card reaches the repayment date, the bank will give the customer a three-day transition period. Within these three days, the customer will repay the loan in time without any interest and late fees, but after three days, the bank will charge a certain amount of interest and late fees for the amount owed by the customer. More seriously, if the customer fails to repay the arrears within 60 days in time and fails to apply for installment repayment, the customer's bad credit record will be recorded in the personal credit report.

3. Good word-of-mouth needs the long-term accumulation of every customer. Let customers choose this bank's credit card, and often use this credit card to spend their lives, then they should better keep their credit records, so as to make themselves more convenient in their later lives. Of course, credit cards will expire after more than three days, so banks still give customers a buffer time in a humanized way.

In principle, if a credit card fails to pay the minimum repayment amount after the final repayment date, it will be regarded as overdue repayment. However, due to the existence of the grace period for repayment, it is generally not overdue to return the credit card two days after repayment. Most banks will provide credit card holders with a repayment grace period of about 3 days. Repayment within the repayment grace period is regarded as timely repayment, which does not generate interest and late fees and does not affect personal credit records. However, it should be noted that different banks may have different provisions on the grace period for credit card repayment, and cardholders need to know the policy first if they want to take advantage of the grace period for repayment.

Although the bank can still see an overdue record when inquiring about your personal credit record, it has little impact. When applying for loans such as mortgages, you will not be stopped because you have this overdue record. But if you are overdue too many times, or form bad debts, you will be on the "black account". But if the credit card repayment date is only one or two days late, it is not necessarily overdue. Many banks provide "time tolerance" service for credit card repayment, that is, a few days late is not overdue. Specifically, isn't a credit card overdue for a few days? Judging from the time tolerance regulations of major banks, most banks' credit cards are not overdue as long as they are returned three days late.