If you forget to pay off your credit card and it is 4 days overdue, you can take the following measures:

First, pay off the balance immediately and pay the late fee. Paying off your balance as soon as possible can reduce the impact of overdue payments on your credit history and avoid the accumulation of further late fees.

Second, contact the bank and explain the situation. You can take the initiative to call the credit card issuing bank to explain the reason and request a grace period or reduction of late fees. Some banks may consider granting forbearance if the customer has a good history, but the outcome depends on the specific bank's policy.

Third, strengthen the repayment management and reminder system. To ensure that overdue repayments will not occur in the future, you can set up early reminders, automatic repayments and other functions to help manage credit card bills.

Summary: After forgetting to pay off your credit card and being overdue for 4 days, you must first pay off the balance as soon as possible and pay late fees. Second, talk to your bank and explore the possibility of a grace period or late fee waiver. Finally, strengthen repayment management and reminder systems to avoid similar situations from happening again.

Extended information: Late repayments may have a negative impact on an individual's credit history, leading to a decline in credit scores and limiting opportunities for future loan and credit card applications. Therefore, timely repayment is important. The bank may decide what action to take based on the number of days past due and the individual's credit history.

Additional information: If your credit card is overdue frequently or you owe a large amount, you may want to consider negotiating a repayment plan with your bank to avoid further credit problems.