Whether being 4 days overdue will affect your credit report, Shouyuanchang also depends on whether your loan has a grace period. If there is, and the time is more than 3 days, as long as you pay the money back immediately, you will be fine. It will not affect your credit score.

If there is no grace period, overdue credit reporting will not necessarily be affected. It depends on whether your lending institution is connected to the central bank’s credit reporting system. If it is not connected to the central bank’s credit reporting system, it will not be listed on the credit reporting system. . If the credit report is connected, the credit report will be uploaded. If you are overdue for more than 3 days, the bank will collect the loan. Depending on the specific loan situation, legal means may not be ruled out in serious cases. At the same time, being overdue will also affect your personal credit. The overdue status of the loan will be uploaded to the central bank's credit reporting system simultaneously, which will also affect future credit life such as loans.

You only need to pass: Quick Card Test. Find this small program to check your personal credit score. The data comes from online loan platforms and UnionPay across the country. Users can check their own big data and credit status, obtain various indicator data, and check their personal credit. situation, blacklist status, online loan application records, application platform types, online loan credit limit estimates and other important data information, etc.

In short, don’t overdue easily. Otherwise, if your credit report is overdue and there is a credit stain, it will take five years to “cleanse” the debt after paying off the debt. And if you never repay, The stain on your credit will follow you for the rest of your life. It is recommended to repay the debt as soon as possible. If the debt is short-lived, you can issue a non-malicious debt statement to the bank.