Paying your credit card one day late will not affect your credit history.

① A single overdue period of more than 60 days will be included in the credit record;

② Or a consecutive overdue period of more than two times (not included) will be included in the credit record;

③ Bad credit will be recorded if the credit is overdue for more than 90 days.

Penalty interest and late payment fees will be incurred if one day is overdue:

① If there is a grace period specified, and within the grace period, no late payment fees and penalty interest will be incurred;

② If there is no grace period, one day overdue will be considered overdue, and the late payment fee will be 5% of the amount owed, and the penalty interest will be calculated based on the daily interest rate of 0.5%.