A credit card payment that is one day late is usually considered overdue.

Detailed instructions:

1. According to the credit card agreement, the repayment date refers to the date when the payment is due. If the repayment is completed before the repayment due date, it is not considered overdue; if the repayment is completed after the repayment due date, it is considered overdue.

2. Credit card companies usually set up a grace period or tolerance period, that is, repayment can still be made within a certain number of days after the due date without incurring overdue fees. However, once this period is exceeded, even if the payment is only one day late, it will be considered overdue and may incur overdue interest and penalties.

3. Overdue credit has a negative impact on personal credit records, which may lower credit scores, increase the difficulty of borrowing, and affect future approval results for loan applications, renting, etc.

Summary:

Repaying one day late is usually considered overdue, which will have a negative impact on personal credit and may incur overdue interest and penalties.

Extended information:

Late repayment will cause lasting damage to your credit record, so it is recommended to avoid late repayment as much as possible. Make sure to plan your monthly repayments in advance and allow enough time for repayments to avoid unexpected delays or technical glitches. If you really cannot repay on time, contact the credit card company promptly and explain the situation, and try to find measures to defer repayment or make other repayment arrangements.

Please note that the above answers are based on common situations and general credit card agreements. Specific provisions may vary depending on different banks or personal agreements. For accurate information, please refer to the contract terms of your credit card or consult relevant professional institutions.