Most bank credit cards are not considered overdue if they are paid 3 days late.

Although the deadline is 3 days, each bank has different regulations on the specific deadline. Among them, China Construction Bank will repay the loan in real time before 7 a.m. on the third day after the repayment date, which is not considered overdue and does not charge additional fees;

China Merchants Bank will repay the loan in real time on the repayment date. If you repay before 24:00 on the third day after the repayment date, it will not be considered overdue; if Bank of Communications repays it before 21:00 on the third day after the repayment date, it will not be considered overdue. ATM self-service machines need to repay before 18:00. ; If CITIC Bank and Shanghai Pudong Development Bank repay before 20:00 on the third day after the repayment date, it will not be considered overdue; if Huaxia Bank repays before 19:00 on the third day after the repayment date, it will not be considered overdue.

Extended information:

Take ICBC as an example. Some credit cards give a 3-day allowance, including Car Plus Card, China Resources Co-branded Card, World Struggle Card, Zodiac Credit Card, Cosmic Constellation Card, Military Soul Card, Teacher Card, Minions Card, etc.; however, there are also some credit cards that do not have time limit, including ICBC Baby Growth Card, China Travel Card, Shanku Card, Baby Card, Chimelong Co-branded Credit Card, etc.

For credit cards without time limit, even if you repay one day late, or even one second late, it will be considered overdue. People who hold these credit cards should be careful and make sure to repay them on time. It is best to choose to use a savings card from the same bank for automatic repayment, and ensure that there is sufficient balance in the account for repayment on the repayment date.

When you use a credit card, it is best to understand the bank's repayment rules in advance. If you have a few days to spare, don't wait until an overdue record occurs before you regret it.