Generally speaking, banks or financial institutions have a certain grace period for loan and credit card repayment, which is generally about 3 days.

This means that if the repayment is not made in time within 3 days after the repayment date, it may be recorded as overdue and may affect the personal credit record. Generally, the grace period of bank credit card loans and personal credit loans does not exceed three days. If you repay within three days after the agreed repayment date, it will not affect your credit information. If there is no repayment beyond the grace period, according to the requirements of the central bank's credit investigation, the overdue records of users will be reported the next day, which will affect everyone's credit investigation.