Generally, the grace period is three days, so repay as soon as possible to avoid overdue payment.

Serious consequences of overdue credit cards: 1. Overdue interest and late payment fees. 2. Bad credit record. 3. The bank will demand collection and may face criminal issues. Solutions for overdue credit cards 1. If the cardholder forgets to repay the card and discovers it is overdue, he or she must repay the card as soon as possible, preferably in full. Call the bank's credit card center and declare that the debt is not malicious. If the overdue period is short, the bank may not count the bad record. 2. When a credit card is overdue and unable to repay due to unemployment, illness, etc., the cardholder should proactively contact the bank's credit card center before the repayment period, explain his or her financial situation, declare that the payment is not malicious, and apply for deferred repayment or installment Repayment. 3. If the cardholder actively applies for an extension of repayment, the bank will often agree to the extension, and the bank and the cardholder will agree on a repayment plan acceptable to both parties. In this way, the bank will not record bad records, but you must repay on time after applying for an extension. 4. Credit card repayment information is rolled over by the central bank's credit reporting system for 24 months. Records of overdue credit card repayments will be kept in the credit reporting system for two years. If the card is canceled directly after being paid off after the due date, the information will not be rolled over. Preserved for a long time. Therefore, after a cardholder has an overdue credit card, it is best not to cancel the credit card immediately. It is best to continue to use it for more than 2 years and maintain a good credit record thereafter.