Forgetting to repay a credit card on the due date and delaying it for four days may have the following consequences:

1. Late payment fees and interest: Banks usually charge a certain percentage of overdue repayments. Late payment fees and high interest will be calculated based on the number of days overdue.

2. Damage to your credit record: Late repayments will be recorded in your personal credit report, which will have a negative impact on your credit score and may lead to a reduction in your credit limit or difficulties in applying for other loans.

3. Bank telephone collection and letter collection: Banks may urge repayment through phone calls or letters, causing harassment and pressure to individuals.

Summary:

A four-day overdue payment may lead to an increase in late payment fees and high interest, damage to your personal credit record, and face calls and letters from the bank to collect debt.

Extended information:

According to the regulations of the China Banking Association, banks can charge late payment fees for overdue repayments not exceeding 1 of the repayment amount, and calculate interest based on the number of overdue days. In addition, late payments will be recorded on one’s credit report and have a negative impact on one’s credit score. Banks usually use methods such as phone collection and letter collection to urge repayment.

Additional information:

If there are special circumstances that cause you to forget to repay, it is recommended to contact the bank customer service as soon as possible to explain the situation and pay off the debt as soon as possible to reduce the consequences. At the same time, to avoid similar situations from happening again, you can set reminders or automatic repayment functions, and develop a good financial management plan.

Note: The above answers only apply to Chinese users. The specific consequences may vary depending on bank policies and personal circumstances. Please consult the relevant bank or financial institution.