Usually, the credit card will not affect the credit within three days after it is overdue, and the credit will be collected after three days, which will affect the personal credit. In general, credit cards have a three-day repayment grace period after the final repayment date. During this grace period, as long as the user repays in full, there will be no overdue records, which will not affect the credit investigation.

If the credit card has no grace period for repayment, as long as the minimum repayment amount of the current bill has not been paid after the repayment date, even if the arrears are paid the next day, the banking system will directly report the overdue situation to the central bank for credit investigation, leaving a bad credit record in the cardholder's personal credit investigation report.

Can credit cards be repaid in advance?

Credit cards can be repaid in advance, and there is no handling fee for prepayment, but prepayment every time is not recommended. If repayment is often made in advance, banks will question customers' consumption demand. In order to avoid wasting resources, banks generally take measures to reduce the quota.