As long as a credit card is overdue for more than 30 days, a credit report will be filed.

Detailed instructions are as follows:

1. Credit card overdue behavior: When the cardholder fails to repay the credit card debt on time after the repayment date, it is a credit card overdue behavior.

2. The scope of impact of overdue records: Credit card overdue records will be reported to China's credit reporting agencies, such as Sesame Credit and the central bank's credit reporting system. These credit bureaus are responsible for recording and aggregating consumers' credit information and evaluating an individual's credit status.

3. Calculation of overdue time: Credit card overdue is calculated from the repayment date. If it exceeds 30 days, it is considered overdue. In other words, as long as the credit card repayment exceeds 30 days, whether it is one day overdue or 30 days overdue, it will be reported to the credit reporting system.

Summary:

If a credit card is overdue for more than 30 days, it will be reported to the credit bureau. Credit bureaus will record information about overdue credit cards, which can have a negative impact on an individual's credit profile. Therefore, cardholders need to strictly abide by credit card repayment dates to ensure repayment on time. By avoiding overdue credit cards, you can maintain a good credit record and obtain better borrowing terms.

Extended information:

According to relevant Chinese laws and regulations, overdue credit cards will have an impact on personal credit records. China's credit reporting system mainly includes two aspects: Sesame Credit and the central bank's credit reporting system. Sesame Credit is Alibaba’s credit evaluation system with wide application and influence. The central bank credit information system is managed by the People's Bank of China and aggregates and manages personal credit information provided by various financial institutions. These credit bureaus will develop credit scores based on personal credit records to evaluate an individual's repayment ability and credit status.

Therefore, cardholders should be aware of the consequences of overdue credit cards and repay strictly according to the repayment date. Timely repayment of credit card debts can not only avoid credit citations on overdue credit card records, but also maintain a good credit record, providing more choices and convenience for future borrowing activities.