1. Industrial and Commercial Bank of China: If the user fails to repay on time, a credit report will be reported immediately;

2. Banks such as Agricultural Bank of China, China Construction Bank, Bank of Communications and CITIC Bank usually Set a three-day grace period, and some banks can extend the grace period to six days. As long as the user repays within the grace period set by the bank, it will not affect the credit report;

3. Some bank users will only report to the credit report if they have not repaid the loan on the next statement date. Such banks include Shanghai Pudong Development Bank, Bank of China, China Guangfa Bank, Hua Xia Bank, etc.

What should I do if it is overdue?

1. Pay off the debt in time, take the initiative to explain the situation to the bank, and keep the account in normal condition.

2. Do not cancel the card because it is overdue. If you cancel the card, you will lose the opportunity to repair your credit. After it is overdue, you should continue to use the credit card normally, spend more, repay on time, and replace it with a new repayment record. Overdue records.

3. Do not lose contact after the due date, and do not let the bank think that the overdraft and arrears are malicious, otherwise you may be sued by the bank.