I forgot to return my credit card. I didn't see it until I sent a message three days after the deadline It has been returned. Does it matter?

If the credit card forgets to repay, it will be processed and credited three days after the deadline, which will have a certain impact on personal credit.

The specific impacts are as follows:

1. Credit record is damaged: the bank will report the overdue situation to the relevant credit reporting agencies, which will affect the personal credit record. Overdue repayment will be recorded in the credit report, and credit affairs such as applying for loans and handling credit cards may be restricted in the future.

2. Increase the borrowing cost: overdue repayment will lead to a decline in credit rating, and borrowers with lower credit ratings may have fewer loan products to choose from in the lending market, and the borrowing interest rate may be higher.

3. Impact on credit limit and application result: overdue repayment may affect credit card limit, which shall be considered in the credit evaluation process. In addition, when applying for a new credit card, the bank may review the overdue repayment record, thus affecting the credit card application result.

To sum up, three days overdue repayment of credit cards will have a certain impact on personal credit. In addition to the credit record damage, it may also lead to an increase in borrowing costs, affecting the credit line and credit card application results.

Extended data:

The influence of personal credit record is more important. In addition to banks and credit institutions, personal credit records will also affect other scenarios, such as renting, employment, insurance and so on. Therefore, it is very important to develop good credit habits and repay on time.

At the same time, it is suggested to repay the loan as soon as possible after the deadline, and communicate with the bank to explain the reasons, seek proper solutions, and reduce the adverse impact on personal credit.

The above is the answer to the influence of three days' overdue repayment of credit cards. Overdue repayment will have a negative impact on personal credit, including damage to credit records, increase in borrowing costs, and impact on credit lines and application results. The importance of personal credit record is increasingly prominent, and it is very important to maintain good credit habits and timely repayment.