It is well known that bank loans are a very popular type of credit. It is true that the threshold at the time of application may be slightly higher, but the interest rate provided by the bank is quite generous. However, this may call into question: “Does a bank loan have an impact on my credit if it is overdue one day? If so, how should I fix it?" That is the question we are going to answer today。

Does a day's loan delay affect credit? How

First, if a bank loan is overdue by one day, whether credit is affected depends entirely on specific bank regulations. If the loan bank allows you to have a grace period for repayment, you complete the repayment in time after one day's delay, then your credit should not be affected. In the absence of this grace period, however, even if the one-day delay is immediately repaid, the corresponding data will still be disclosed to central banks and credit institutions, which may have an impact on your correspondence report。

So, what would you do if it was a day late? Here's a few suggestions:

First, the bank should be contacted as soon as possible for repayment and the reasons given. If you have an unexpected delay of one day, you need to pay back immediately and contact the bank's customer service to explain the situation. If you're only a day late and the bank has a grace period, you won't be affected immediately. However, payments must be made as soon as possible to prevent further delays。

Secondly, to remain honest and to commit to future payments on time. If the bank's customers refuse your explanation, you should actively contact them again to express your good faith, to explain that the delay was unintentional, due to negligence, and to promise to pay in due time。

THIRDLY, SET UP A REPAYMENT REMINDER. YOU CAN USE THE BANK'S APP TO SET UP AUTOMATIC DEDUCTIONS TO ENSURE THAT THE DEDUCTION DATE IS ON TIME, OR YOU CAN ALSO REMIND YOURSELF TO PAY ON TIME, SUCH AS BY MEMORANDUM。

In general, bank loans are overdue by one day with some influence, but there are a number of ways to remedy this. The key is to actively communicate with the bank, explain the situation and insist on timely repayment. With that, you can avoid the negative impact of the overdue loan。