No.

A car loan that is overdue for 1 or 3 days is a grace period. During this period, as long as you pay back the outstanding amount, it will not have an adverse impact on your personal credit score. If the grace period is exceeded, for example, if it is overdue for 4 days, then the overdue record may be recorded in the People's Bank of China's credit reporting system.

The following are the grace periods for various loan methods:

1. Credit card installment: The grace period ranges from 0 to 3 days, depending on the bank's regulations on credit card repayment.

2. Bank loan: Car loans provided by banks usually have a grace period, usually 1 to 3 days as a grace period.

3. Car finance loans: Car finance loans are similar to bank loans and will also provide a grace period of 1 to 3 days.