Will it affect the credit investigation if the repayment is overdue for five days and immediately after receiving the text message?

If your credit card fails to repay on time, you will be charged liquidated damages and interest, which will affect your personal credit. We will truthfully report your overdue situation to the credit information system of the People's Bank of China. But you don't have to worry too much. Credit record is the embodiment of the long-term card use process. I suggest that you can repay on time in the future, which will help you maintain a good credit record.