Legal analysis: If you forget to pay the credit card one day overdue, you can pay it immediately. If the credit card is overdue for one day if the credit card is forgotten to be paid, if the credit card has a grace period for repayment, such as 1-3 days, then the user only needs to pay it back in time, and it will also be counted as the user's normal repayment. Credit cards do not have a grace period for repayment shortfalls. They are only overdue for one day. After settling the money immediately, you can apply to the bank for a non-malicious overdue certificate, which can reduce the impact of overdue payments. Or immediately call the customer service number on the back of the credit card to explain that you are not maliciously overdue. If the previous repayment record is good, the bank will generally not record it as overdue. However, you cannot have three or six overdue records in a row. Generally speaking, occasional overdue records will not have a great adverse impact on the user's credit report.

Legal basis: Article 676 of the "People's Republic of China and Civil Code" If the borrower fails to return the loan within the agreed time limit, he shall pay overdue interest in accordance with the agreement or relevant national regulations. Article 678 The borrower may apply to the lender for an extension before the expiration of the repayment period; if the Bureau requests the lender's consent, the extension may be granted.