Hello, if you have a credit report after the due date, you cannot get a loan to buy a house. As for how long it takes to get a credit report, the bank does not have clear regulations. It just says that credit cards of major banks have a repayment grace period service, and there is no need to apply for this service. , the time is the third day after the repayment due date. Repayment within the grace period is deemed to be repayment on time. The implication is that if you repay after the repayment grace period, you will be overdue. After the repayment is overdue, your credit report will be reported. To put it simply, That is to say, if your credit card is overdue for three days, your credit report will be on it, which will affect your loan to buy a house.