Credit cards that exceed the grace period will be reported lost. Credit cards have a buffer period of a certain number of days after repayment. This buffer period is the grace period of credit cards. As long as the minimum repayment amount is successfully repaid before 0: 00 on the last day of the grace period, it is not overdue. Overdue for more than 3 days will affect personal credit. In order to avoid overdue repayment due to wrong date, it is suggested to bind a savings card and set up automatic repayment at maturity.