It will affect. Credit reporting is an activity that collects, organizes, preserves, and processes credit information of natural persons, legal persons, and other organizations in accordance with the law, and provides external services such as credit reports, credit evaluations, and credit information consultation to help customers judge and control credit risks and conduct credit management. Ten days overdue will be recorded on the credit report, because most banks will only give users a grace period of two or three days. If the repayment is not made within the grace period, the user's overdue status will be recorded. Report to the credit reporting system. After the credit card is overdue, there will not only be liquidated damages, but also interest. After the credit card is overdue, you must pay a certain percentage of repayment liquidated damages.