Detailed description:
1. First of all, China Bank, as a large commercial bank, has a strict management system on credit card business. When a customer applies for a credit card, the bank will sign a credit card use agreement with the customer, including the repayment date and the consequences of overdue repayment.
2. Secondly, overdue repayment of credit cards will have a negative impact on customers' credit records. The bank will record the overdue credit card of the customer and record it in the personal credit report. This kind of record will reduce the credit rating of customers, which will adversely affect their future credit applications.
3. In addition, customers who are overdue may also face additional expenses such as penalty interest, late payment fee and overdue interest. These costs may further increase the burden on customers.
4. To sum up, China Bank's credit card will have a bad record if it is overdue for 2 days. Overdue repayment will have a negative impact on the customer's credit history and may lead to additional expenses.
Extended data:
According to the relevant regulations of our country, banks should record the overdue repayment of credit cards and keep the bad records in the credit information system of the People's Bank of China. These records will be reflected in the customer's personal credit report, which may affect the personal credit rating and the approval result of the credit application. Therefore, it is very important to repay the arrears in time when using the credit card of China Bank.
Please note that the above information is for reference only, and the specific impact depends on individual circumstances. If you have any questions or need to know more, please consult the Credit Card Department of Bank of China or relevant financial institutions.