1. The amount of overdraft has varying degrees of impact on creditworthiness. There is a difference between an overdraft of 10,000 yuan and an overdraft of 30 yuan. At the same time, being one day late on a payment may have an impact on your credit worthiness.

2. Explanation of points:

a. Impact of overdraft amount: An overdraft of 10,000 yuan is larger than an overdraft of 30 yuan, and may have a more serious impact on credit. Credit card companies usually consider a borrower's debt size and repayment ability, so a large overdraft may lead to greater credit risk.

b. Impact of late repayment: One day of late repayment may affect your creditworthiness. Credit card companies report delinquencies to the credit bureaus, and delinquencies of even one day will show up on your credit report. This kind of history can have a negative impact on your credit score, especially if late payments occur frequently.

3. Summary: Overdraft amount and late repayment will have an impact on creditworthiness, but the degree of impact may be different. An overdraft of 10,000 yuan may affect your credit worthiness more seriously than an overdraft of 30 yuan. At the same time, even just one day of late payments can have a negative impact on creditworthiness.

4.

Extended information: In addition to overdraft amount and late repayment, other factors will also affect creditworthiness, such as repayment history, debt ratio, length of credit history, etc. In addition, different credit bureaus may use different algorithms to calculate credit scores, so the specific impact may vary.

Please note: Due to the lack of specific information, the above answers are speculations based on the impact on creditworthiness under common circumstances. The specific impact may be affected by various factors such as region, credit institution and personal credit record. It is recommended to consult professional institutions or refer to relevant credit scoring models under actual circumstances.