If the credit card repayment grace period is 1-3 days, the repayment beyond the grace period will be considered overdue. Credit cards have no grace period for repayment, and repayment beyond the repayment date 1 day is overdue. Overdue credit cards will have many negative effects. For users, credit cards with grace period can choose to repay within the period from repayment date to grace period. If the credit card has no grace period for repayment, the user must repay it on time, otherwise the overdue records will be uploaded to the credit information, and even if the arrears are paid off, it will take five years to delete the overdue records.

Legal objectivity:

Article 13 of the China Convention on Self-discipline of Bank Card Industry, member units shall strengthen the public propaganda work on the use of bank cards and risk prevention, and ensure that customers have full right to know and choose the interest, charging standards and related risks of bank card business. (1) Member units shall strengthen the disclosure of credit card business information, fully reveal the meaning of credit card interest-bearing rules, clearly explain the interest-bearing rules in eye-catching fonts in credit card application forms, and provide calculation rules and simulation cases through publicity channels such as websites; (II) Member units shall implement the requirements of regulatory rules, choose the credit card interest rate collection method and corresponding preferential measures suitable for their own development according to the actual situation, but shall clearly inform the credit card applicant (or cardholder) of relevant information, so as to ensure that the applicant (or cardholder) can choose and decide whether to accept it according to his own wishes. (3) Member units shall remind cardholders to repay their credit cards at least 3 days before the due date of repayment, by means of bills, short messages, emails, telephone calls or letters. (4) Member units can provide multiple bills for cardholders to choose and change, and the number of changes can be limited. The above is my answer to this question. I hope it helps you. Thank you.