It doesn't matter if the loan is at twelve o'clock. As long as there is no specific requirement for repayment time within the normal repayment period, you can automatically repay through the APP or repay the public bank account. However, if Xiaoyun gets stuck in loans overdue, and the staff asks for repayment time, they must repay the loan on time according to the time provided by the staff, because the overdue period has already caused a breach of contract. If you want to continue to use Xiaoyun Card loan or keep your credit information unaffected, try to repay according to the instructions of the staff.

I. Repayment Date of Small Win Card Loan

The latest repayment date of a small win card loan is generally from the date of borrowing to the day before the next month. If there is no corresponding day of the next month on the loan day of Xiaoyingka, the repayment date is fixed at 28th, and the last repayment date is the loan maturity date. If the interest-bearing start date of the loan is May 8th, and the monthly repayment date is 7th; If interest begins to accrue on 29th, 30th and 3rd1day, the monthly repayment date is 28th; If the value date is 1, the interest payment date of the first installment is the 28th of the current month, and the interest payment date of the second installment is the 28th of the following month.

Second, the impact of overdue.

Credit card loans overdue will charge a penalty interest. The calculation formula of penalty interest is = overdue residual principal × corresponding penalty interest rate × overdue days. The number of overdue days is calculated from the day after the repayment date until the repayment is fully paid off. The longer the overdue period, the higher the penalty interest. After the deadline, the staff of Xiaoying Credit Card will call and send a text message to inform the borrower to repay. Phone calls and text messages several times a day have seriously affected their lives.

After loans overdue, the consequences are still serious, so we must repay the loan on time to protect our credit information. If it is overdue, you must negotiate with the staff about the repayment time required by the staff, because it is likely to be related to whether the credit will be reported or otherwise affected. Credit card loans overdue will definitely report it at the meeting. Once a credit record is generated, it will have a great impact on future loans.