It generally has no impact to repay a credit card one day late, because according to the provisions of the "China Bank Card Industry Self-Discipline Convention", each bank should provide cardholders with a certain limit and grace period for repayment. Tolerance and time-tolerance service”. It is best not to wait until the final payment date for credit card repayment, or repay more than 10 yuan before the repayment date. This is also a good habit to avoid overdue payments.

Extended information:

Credit cards refer to various media that record cardholder account information, have bank credit lines and overdraft functions, and provide cardholders with related banking services.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The credit card generally refers to the credit card alone

The credit card limit, also known as the available credit card limit, refers to the maximum amount that can be used by the credit card you hold, which includes the credit limit (that is, the maximum amount that can be used by the credit card) overdraft limit) and the amount deposited on the credit card.

The limit of any credit card depends on the effective income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained.

Therefore, applicants must provide proof of income, provident fund social security, and asset guarantee statements. Asset guarantees include fixed assets such as real estate and cars, as well as current assets such as savings and bonds.

Persistence means that after you have a credit card, you must insist on long-term credit card consumption. It is best to have a credit card consumption limit every month for more than three consecutive months. Do not use it for a period of time and then freeze it for a long time.