Detailed description:

1. A credit card that is overdue for three days is considered overdue: according to the provisions in the credit card contract, if the cardholder fails to repay on time on the agreed repayment date, it is considered overdue. The overdue calculation shall be based on the repayment date. If the cardholder fails to repay the loan within three days after the repayment date, it shall be deemed as overdue.

2. Four days overdue is also overdue: Similarly, according to the credit card contract, if the cardholder fails to repay within four days after the repayment date, it is also considered overdue. Even if it is only four days late, it is still overdue.

Summary:

According to the above explanation, whether it is three days late or four days late, it is considered overdue. Three days late means that the cardholder fails to repay within three days after the repayment date, and four days late means that the cardholder repays within four days after the repayment date. Both cases are beyond the time range stipulated by the repayment date, so they will be considered as overdue repayment.

Extended data:

Overdue repayment will have a negative impact on personal credit record, affect the application for other financial products or loans in the future, and also lead to a decline in credit rating. Therefore, in order to maintain a good credit record, it is suggested to arrange funds reasonably before the credit card repayment date to ensure timely repayment.

In addition, each bank may handle overdue repayment differently, including overdue interest rate and penalty interest. You can consult the bank or refer to the relevant credit card contract for details. The best way is to pay off the credit card bill before the repayment date to avoid the inconvenience and consequences caused by overdue repayment.

Supplementary information: Assume that there is no additional grace period in the credit card contract, that is, the repayment date is overdue. According to the general credit card contract, overdue repayment will be regarded as a bad record, so whether it is three days overdue or four days overdue, it will be regarded as overdue repayment.