Loans overdue, a rural commercial bank, should have no impact on credit for one day. Now there will be a grace period after loans overdue, which is about three days. If you pay off the money within three days, your credit will not be affected.

Agricultural Bank of China will deduct the amount of one-day overdue mortgage. If the grace period is stipulated in the contract, the late payment fee will not be deducted. After the repayment is overdue, contact the loan bank in time to explain the situation. One or two short-term overdue loans will not affect the credit history. If the loan is overdue for many times, the bank may collect the loan and record the bad credit.