Legal subjectivity:

If a credit card has a grace period for repayment, and the grace period is 1-3 days, then the payment will be considered overdue if it exceeds the grace period. Credit cards do not have a grace period for repayment, and payment is overdue if it is paid 1 day after the repayment date. Overdue credit cards will have many negative consequences. For users, credit cards with a grace period can choose to repay from the repayment date to the grace period. There is no repayment grace period for credit cards, so users must repay on time, otherwise the overdue records will be uploaded to the credit report. Even if the debt is paid off, the overdue records will not be deleted until 5 years. Legal objectivity:

Article 577 of the Civil Code: If a party fails to perform its contractual obligations or performs its contractual obligations inconsistently with the agreement, it shall bear liability for breach of contract such as continuing to perform, taking remedial measures, or compensating for losses. Article 675 The borrower shall repay the loan within the agreed time limit. If there is no agreement on the loan period or the agreement is unclear, and it cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; the lender may urge the borrower to return it within a reasonable period of time. Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant national regulations.