The details are as follows:

1. Credit card repayment date is a specific date stipulated by the bank, usually a fixed date every month. If the credit card debt is paid off before this repayment date, it will not be counted as overdue.

2. If the repayment date is missed, the bank will regard the arrears as overdue repayment, which will result in overdue interest and penalty. Even if the repayment is delayed by one day, it will be regarded as overdue and will have a negative impact on personal credit history.

3. during the overdue period, the bank will remind the cardholder to repay in time by SMS, telephone or email. If the cardholder repays the loan within a short time after the deadline, the damage to the credit record can be avoided.

4. If the overdue period is long, the bank may take further measures, such as limiting the credit limit or closing the credit card account.

Summary:

Two days late repayment will be counted as overdue credit card, which will result in overdue charges and affect personal credit history. It is recommended to repay the loan on time to avoid unnecessary losses.

Extended information:

According to the "Self-discipline Standard of Credit Card Industry" issued by China Banking Association, if the cardholder makes overdue payment, the bank has the right to charge overdue interest and liquidated damages from the cardholder according to the contract, and at the same time, it can submit personal credit information, which will affect the personal credit record. Therefore, it is necessary to maintain a good credit record, and timely repayment is one of the important ways to maintain personal credit.

please note that the above information is for reference only, and the specific situation shall be subject to the regulations of relevant banks and personal contracts. If you have any questions, please consult the customer service center of a specific bank or read relevant laws and regulations.