No, there will be no late fees and interest, and it will not affect your credit. At present, banks have corresponding regulations. Those who enjoy at least three days' grace repayment also have tolerance repayment (tolerance repayment means that the bank regards the unpaid part of 65,438+00 yuan or 100 yuan as "paid off" and rolls it into the next bill to avoid the cardholder's higher penalty interest due to the small "fraction" amount. Among them, the "tolerance" of Guangfa Bank is 5 yuan, and the total consumption of Agricultural Bank is 10%, which means that as long as the repayment exceeds 90% of the current bill, interest will only be calculated according to the unpaid part. Under normal circumstances, it is no problem to be overdue for 4-5 days.