Bank in loans overdue for more than 3 days. According to information provided by Caiti. Com, most banks have set a three-day repayment grace period, which means that users who repay within the three-day repayment grace period will not be counted as overdue and will not be uploaded to the credit information system. However, as long as the repayment exceeds this grace period, it will be counted as overdue, which will affect the user's credit information.