According to the latest regulations, personal credit records will be affected if they are overdue for three days.

First of all, because the "minimum repayment amount" on the bill is not paid off on the repayment date, the bank will calculate interest for you and there will be a late fee. You'll know when the bill comes out next month. You're overdue.

Then, if the "minimum repayment amount" is still not paid off three days after the repayment date, the credit card center will send this overdue information to the personal credit information center of the People's Bank of China, forming an overdue record in the personal credit information report.