Yes, the minimum payment is considered overdue. After being overdue for 5 days and making the minimum repayment, the credit card can still be used normally, but users are advised to pay off the outstanding amount as soon as possible.

Details:

1. The minimum repayment is the minimum amount that the bank requires the cardholder to repay before a specified date. If it exceeds this date, it will be considered overdue.

2. Even if the minimum payment is made, it is still considered overdue because it has not paid off the balance completely on time.

3. Overdue credit may have a negative impact on personal credit history, leading to a decline in credit scores and affecting future borrowing ability.

4. Although the credit card can still be used, it is recommended that users pay off all outstanding balances as soon as possible to avoid further overdue payments and penalties.

Summary:

If it is overdue for 5 days, even if the minimum payment is made, it will still be considered overdue. Credit cards can still be used normally, but overdue credit will have a negative impact on your personal credit record and your ability to borrow money in the future. Users are advised to pay off all outstanding balances as soon as possible to avoid further overdue payments and penalties.

Extended information:

If you need to query personal credit status or credit big data, you can use related platforms such as Netdome Data to query. These platforms can provide personal credit reports and credit scores to help users understand their credit status. By monitoring their credit reports, users can promptly identify and correct any inaccurate or adverse information while improving their credit history. Please note that you need to be cautious when querying personal credit data and choose a trustworthy platform for operations.