The details are as follows:

1. Overdue grades:

- Most banks classify credit card overdue into several grades, usually 3 days, 6 days, 9 days and more than 12 days. The higher the overdue grade, the more serious the consequences.

- some banks may further divide different overdue grades and classify them according to specific circumstances.

2. Differences and consequences:

- Different banks may have different definitions of overdue grades. For example, some banks may define 3 days overdue as the lowest level, while others may define 6 days overdue as the lowest level.

- banks will take different measures and consequences when dealing with overdue accounts. This may include sending reminders to customers, charging late fees, stopping the use of quotas, canceling preferential interest rates, and recording bad credit records.

- In the case of higher overdue grade, the bank may take more severe measures, such as entrusting a third-party agency for collection, legal proceedings or enforcement.

3. Summary:

- Credit cards are also classified as overdue, and different banks may have different definitions of overdue grades.

- the higher the overdue grade, the more serious the measures and consequences taken by the bank.

Extended information:

- Banks usually specify the overdue grade and corresponding consequences in credit card contracts.

- if the overdue situation is serious, it may have a negative impact on the personal credit record and affect the approval results of financial products such as loans and credit cards in the future.

The above is the information about the overdue grades of credit cards and the differences and consequences among banks.