In order to prevent the lender from failing to repay the loan in time due to forgetfulness or rest days, the general bank will give a two-day grace period after the loan expires, and repayment within two days after the maturity is generally not regarded as overdue repayment, which will not affect personal credit.

Lenders need to repay bank loans on time. If it is overdue for two consecutive months, it will be included in personal credit information, which will affect personal credit. Credit stains are difficult to eliminate, so lenders must pay attention to personal credit records.