It has an effect, but as long as the time has not exceeded the last date given by the bank, there is no big effect. Usually banks have the following services. More than the repayment date is not calculated late repayment, credit cards generally have a "time service", that is, to provide a certain period of time for the cardholder repayment grace period service, the repayment grace period from the due date of repayment of at least 3 days, you need to pay back the money within the period of time on time, the majority of the banks can give the cardholder a certain amount of grace, usually 1 - 3 days, there is also a point of The first thing you need to know is whether you're going to be able to get a good deal on a new product, or whether you're going to be able to get a good deal on a new product, or whether you're going to have to pay for it.

But if it's more than three days, the bank will start charging interest at five-tenths of one percent per day until you pay it all off. In order to avoid affecting your credit, we recommend that you make your payments on time, and if it is not convenient for you to pay off your bill in full, please make at least the minimum payment on time.

And in your case, as long as you don't exceed the bottom line given to you by the bank, basically it won't have any impact on your credit, so you can rest assured. However, you still need to complete the repayment on time in the future, or else the number of times may affect some of your services at the bank.

One, credit card after the repayment date there is generally a grace period of three days, in the grace period repayment is considered on time;

1. full repayment, then do not incur any costs;

2. minimum repayment, then you need to daily interest is calculated at 0.05%, from the date of consumption of the interest on the account;

Two, if you go beyond the grace period repayment or repayment amount is less than the The bank stipulates that the minimum repayment amount is considered late, the daily interest rate of 0.05%, interest from the date of recording, in addition to the minimum repayment amount of 5% of the outstanding portion of the late fee, charged on a monthly basis.

Credit card repayments (including E-installments) have a three-day grace period (no application required), and any three-day delay in making the minimum payment from the day of repayment will not affect your credit history.

For example, if your last payment date is the 5th of the month, you can delay your payment for 3 days until 24:00 on the 8th of the month, which is a normal repayment.

If the 6th of the month is the last day of the month, a 3-day delay until 24:00 on the 9th of the month is considered a normal repayment.