No, Xiaomi loan is one day late, as long as it is paid off in time, it will have little impact on credit reporting (Xiaomi loan can upload personal credit reporting records in time, and you can call customer service). If it is overdue, it will affect personal credit. However, if you return it one day late, there will be a penalty interest, which will also affect the pass rate of the next application.

Extended data:

Credit investigation includes personal credit and enterprise credit. Of course, there are also government credit reports, but they can be ignored.

Enterprise credit investigation refers to the comprehensive evaluation of credit ability (mainly solvency and solvency degree) of enterprises, bond issuers, financial institutions and other market participants on the basis of analyzing and studying their credit records, operating level, financial situation, external environment and other factors. Formally, enterprise credit investigation is a comprehensive analysis and measurement of performance ability and its reputation, and it is an indispensable intermediary service in the market economy system.

Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.

The credit report is based on the Report on the Development of Credit Information Industry in China (2003-20 13) forwarded by People's Republic of China (PRC) and issued by the People's Bank of China. It is a way to collect, sort out, save and process the credit information of natural persons, legal persons and other organizations according to law.

In addition to the most common credit card overdraft and personal mortgage repayment in loans overdue, some behaviors such as arrears of living expenses and guarantees may be included in the personal credit report. The report shows whether I owe taxes, civil judgments, enforcement, administrative penalties or telecommunications arrears. , which will be displayed in the report.

The person subjected to execution refers to the person who has failed to fulfill the obligations specified in the effective legal documents, and has legal circumstances such as "unable to perform" and "resisting execution", so he is listed on the list of persons subjected to execution by the people's court according to law.

Overdue repayment refers to the situation that the final repayment period stipulated by the bank is exceeded and the consumption money is not deposited in the designated account in full and on time. Overdue interest will be generated, which will affect the credit information, and in serious cases, it will be prosecuted by the court and imprisoned.