Detailed description:

1. Credit reporting agencies usually submit overdue records to personal credit reporting. In personal credit report, overdue records will have a negative impact on credit score and reduce personal credit rating.

2. However, the overdue period of four days is not long. If the repayment is made immediately, the overdue record may not be regarded as an important negative factor by the credit information system.

3. In the credit information system, the timeliness and stability of repayment are important factors. If the individual has other good repayment records and can maintain good repayment habits in the future, the impact of overdue for 4 days will be relatively small.

4. However, although repayment immediately after four days overdue will generally have no obvious impact on credit information, too many overdue records or frequent overdue behaviors will cause serious damage to personal credit, which in turn will affect access to financial services such as loans and credit card applications.

Summary:

If it is overdue for 4 days, if it can be repaid immediately, it will often not have a significant impact on personal credit information. However, maintaining good repayment habits is the key to maintaining personal credit, and avoiding frequent overdue behaviors can ensure the health of credit records.

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