If you forget to repay the credit card and pay it back a few days after the repayment date, whether this situation will affect your credit report depends on whether the card-issuing bank provides a grace period for repayment and the repayment period. How many days does the payment grace period last?

Assuming that the credit card does not have a grace period for repayment, as long as the repayment date is missed and the minimum repayment amount of the current bill is not paid, even if the repayment is made the day after the repayment date, it will become overdue, and the bank will The system will directly report the overdue situation to the central bank's credit report, leaving a bad credit record in the cardholder's personal credit report. And now the second-generation credit report has been launched, so the frequency of credit report updates is very fast.

But if the credit card provides a repayment grace period, assuming the grace period is three days, if the cardholder repays the minimum payment amount of the current bill two days after the repayment date, then because If it is still within the repayment grace period, it will not be considered overdue, and it will not affect your credit report.

If you pay the minimum payment amount of the current bill five days after the repayment date, it will be considered as a three-day repayment grace period after the repayment date. The credit report is overdue and then reported to the credit bureau, which affects personal credit. It is recommended that users develop a good habit of repaying loans on time and try to avoid overdue payments. Once it is overdue, bad information will appear in the personal credit report, which will affect the subsequent processing of credit business, making it difficult to successfully handle it in a short period of time. If you are not sure about your credit status, you only need to search: Kuaikachai, find this WeChat applet, pull out your online loan debt details and overdue credit status, and make a repayment plan based on your situation.