1. First of all, the repayment must be made immediately. Generally, the bank will have a grace period. If it is overdue for one or two days, you can inform the bank and explain the situation. If it is repaid within the grace period, it will not affect the personal credit investigation. 2. For banks that have no grace period, they should also be repaid as soon as possible, and it is best to notify the bank to deduct money after repayment. Generally, one or two short overdue periods will not affect the credit investigation. However, it is possible for everyone to have a situation in loans overdue for one reason or another, whether intentionally or unintentionally, but after all, it is true that there are overdue and bad credit records, which may have an impact on your personal credit records.

But according to your situation, there are several ways to deal with it:

First of all, there may not be overdue records in your situation, as long as it does not appear frequently

Generally, each lending institution has a certain grace period for loan repayment, which may not be too long, usually 1 to 3 days, and the longest is 9 days.

in general, the grace period is 3 days. For example, the repayment grace period of China Merchants Bank, Minsheng Bank, China Everbright Bank, Ping An Bank, CITIC Bank, Shanghai Pudong Development Bank, Xingye Bank and Huaxia Bank is 3 days. The longest grace period for CCB is 5 days, and the grace period for ABC varies from 3 days to 9 days.

So, your situation is only a little late, and it is at most one day late. If you are not often late in repaying the loan, you should not be given a credit record.

secondly, what should I do if I get on the credit record?

although most banks still have a grace period for loans, some banks do not, such as ICBC. Therefore, banks without grace period will be recorded in the collection system as soon as they are overdue, and even banks with grace period may be recorded in the credit information within the grace period.

Therefore, if you don't often have this situation, you can contact your lending institution in time to explain your overdue situation and goodwill, and you didn't do it intentionally, so as to gain the understanding of the lending institution and apply to the lending institution for changing or eliminating the credit record that has already appeared.

thirdly, what problems should be paid attention to in the process of loan repayment?

since there is a loan to repay, it is necessary to ensure timely repayment.

First, it is not always possible to repay the loan at this time, because after all, there will be many unexpected situations, just like this case was only deposited at night, so there may be overdue records.

Second, don't think that it doesn't matter if it's a day or two late, and there are often short-term overdue cases, thinking that there is no big problem, especially knowing that some lending institutions have a grace period, they think it is ok to repay within the grace period. In fact, as long as the loan is overdue for one day, it will be recorded in the credit system of the lending institution. Although it is not necessarily recorded in the credit report, it will exist in the system of the lending institution.

This kind of overdue loan record When you apply for loan business in this credit institution again, the lending institution will first check your overdue record in the central bank's credit information system, and at the same time check the overdue loan record of this lending institution. If you have short-term overdue records for many times, it will also affect your loan approval.