Bank of China credit cards that are overdue for 2 days will have negative records. This is because when a customer uses a credit card, the bank will monitor and record it according to the repayment period stipulated in the contract. If a customer pays late, the bank will archive this record as a negative record.

Details:

1. First of all, as a large commercial bank, Bank of China has a strict management system in the credit card business. When a customer applies for a credit card, the bank will sign a credit card usage agreement with the customer, which includes the repayment date and the consequences of late repayment.

2. Secondly, overdue credit card repayments will have a negative impact on customers’ credit records. Banks record customers' credit card delinquencies and record them on their personal credit reports. Such a record can lower a customer's credit rating, adversely affecting future credit applications.

3. In addition, customers who repay overdue may face additional fees such as penalty interest, late payment fees, and overdue interest. These fees may further burden customers.

4. To sum up, Bank of China credit cards that are overdue for 2 days will have bad records. Late repayments will have a negative impact on the customer's credit history and may result in additional fees.

Extended information:

According to relevant regulations in China, banks should record overdue credit card repayments and save bad records in the credit reporting system of the People's Bank of China. These records will be reflected in the customer's personal credit report and may affect the individual's credit rating and the approval results of credit applications. Therefore, when using a Bank of China credit card, it is very important to repay the balance in time.

Please note that the above information is for reference only, and the specific impact will vary depending on individual circumstances. If you have any questions or need more detailed information, it is recommended to consult the credit card department of Bank of China or relevant financial institutions.