1. One day is very short. Usually in the repayment policies of banks and lending institutions, overdue is defined as exceeding the agreed repayment date by a certain number of days. So you are only slightly delayed by one day and will not be regarded as overdue.

Your timely repayment the next morning shows that you are willing to repay and have taken active measures. Lending institutions usually attach importance to customers' repayment attitudes and behaviors. Therefore, in the case of a single delay of one day and timely repayment, it is generally not considered as overdue repayment.

3. The credit information system mainly records long-term overdue repayment, such as continuous delay for several days or months. For short-term and individual overdue cases, the credit information system may not record or affect the personal credit score.

Summary:

If it is delayed by one day, it will probably not be counted as overdue by the credit information system. However, the specific situation may be different due to the policies of lending institutions, contract terms and the handling methods of credit information system. It is recommended that you observe the repayment date as far as possible to avoid potential credit risks. If in doubt, it is recommended to consult a specific lending institution or credit consulting expert.