Credit card overdue for 4 days will affect personal credit. Because most banks' credit cards only have a grace period of three days, it is normal for cardholders to repay within the grace period, but four days has exceeded the grace period given by most banks, so it will be regarded as overdue repayment. Once overdue repayment occurs, it will generate overdue repayment records, and the bank will upload the records to the central bank's credit information system simultaneously.

Overdue credit cards will produce bad credit records, and the following remedies are available:

1. Pay off debts in time, take the initiative to explain the situation to the bank and show your sincere attitude. Then pay back the money in full. If you have no record of overdue repayment before, the bank will not record you as overdue and keep your account in a normal state.

2. Please don't cancel the card because it has expired. If you cancel your card, you will lose the opportunity to repair your credit. After overdue, we should continue to use credit cards normally, spend more, repay on time, and replace overdue records with new repayment records.

Credit card, also known as debit card, is a credit certificate card issued by commercial banks or credit card companies to eligible consumers. The name, expiration date, serial number and cardholder's name of the card issuer are printed on the front, and the magnetic stripe and signature strip are printed on the back. Consumers with credit cards can shop or spend in specialized commercial service departments, and then banks will settle accounts with merchants and cardholders. Cardholders can overdraw within a certain amount. The earliest credit card appeared at the end of19th century. The British clothing industry has developed so-called credit cards, and the tourism and business sectors have also followed this trend. But at that time, the card could only be used for short-term commercial credit and must be repaid at any time. Can't default for a long time, and there is no credit line. From 65438 to 0952, Franklin National Bank of California, as a financial institution, issued bank credit cards for the first time, becoming the first bank to issue credit cards.

Definition of common credit card words:

1. billing date: billing date refers to the date when the issuing bank fails to regularly summarize the current transactions and expenses of the cardholder's credit card account, settle interest and calculate the amount payable by the cardholder in the current period. Period. The settlement date is a fixed date.

2. Interest-free repayment period: For non-cash transactions, the interest-free repayment period is from the bank account opening date to the due repayment date. The shortest interest-free repayment period is 20 days and the longest is 56 days. During this period, you don't need to pay any interest, as long as you pay off the current amount payable on the current statement in full.

Of course, cash withdrawal and cash installment need to pay certain interest and handling fees. There is no interest and service charge for credit card consumption.

3. Due repayment date: the latest date or minimum repayment amount stipulated by the issuing bank.