If a credit card payment is overdue for 4 days, in addition to paying late fees, your credit record will also be affected.

Details:

1. In this case, the credit record will be marked as overdue, which will have a negative impact on the individual's credit rating.

2. Overdue records will be displayed on the credit report and retained for a period of time. Other financial institutions may consider such overdue records when conducting credit assessments, and therefore applications for borrowings, loans, etc. may be rejected or restricted.

3. If the overdue period is longer, it may cause more serious damage to your credit record, and you may also be held legally responsible.

4. Timely repayment can help restore your credit history, but it usually takes some time to repair your credit rating.

Summary:

Overdue credit card repayments for 4 days will have a negative impact on personal credit records, which may lead to a decline in credit ratings, rejection of loan applications and other consequences. Paying back your balance promptly can help repair your credit history, but it will take time to restore your credit rating.

Extended information:

Late repayment of credit card will have a long-term impact on personal credit record. Banks and financial institutions will report overdue records to the central bank's credit reporting system, which will retain overdue records for a period of time. These records will be considered by other financial institutions when conducting credit assessments, and may affect an individual's future applications for loans, borrowings, etc. Therefore, when using a credit card, repaying your credit card in full and on time is one of the important ways to maintain a good credit record.