Overpayment was a very troubling matter, which not only had a negative impact on personal credit records, but also involved situations of concern and follow-up. But if the overdue bills were paid, would the borrower be able to get rid of those problems? Will there still be some impact

Will the attention disappear after the delay

From the point of view of credit records, late repayment does not eliminate the impact on credit records. Overdue information is recorded by banks or other financial institutions in letters of credit reports during the period of overdue repayments, which will have some impact in the future on the approval of borrowers ' loans, credit lines and interest rates. Even if the borrower had paid the bill immediately after the due date, the credit system would have kept this poor record until it was unable to search after seven years。

In addition, late repayment may have an impact on interpersonal relations. During the overdue period, banks or other institutions continue to send reminders or telephone calls to borrowers for repayment, and once calls or text messages reach the borrower ' s family and friends, they may affect the borrower ' s family, friends and colleagues ' evaluation of the borrower and personal image and personal resources。

However, banks and other financial institutions are likely to be willing to reconsider the borrower ' s credit lines and interest rates if they continue to maintain good repayment records after the overdue payments. At the same time, a thorough billing of late repayments would also alleviate the psychological stress and economic burden on borrowers and restart consumption and financial planning。

In addition, late repayments can affect sesame credit points and micro-credit credits, both of which have as one of the negative effects the late record and the higher the sesame credit points and micro-credit credits, the greater the access to financial and life services. As a result, borrowers can seek credit line upgrades or other benefits through sesame credits and micro-trust credit sub-platforms after they have been paid out。

In any case, the overdue payment will not disappear immediately, but the consequences will not necessarily be very serious. However, we should try to avoid overpayment and develop plans to avoid similar situations。