If the lender fails to pay off all the money in full and on time, the bank will upload the overdue record to the personal credit information center. All domestic credit institutions can find this overdue payment after inquiring about the lender's personal credit record.

However, there will be a 2-3-day grace period for loan repayment, and overdue records will only be generated after it is overdue. However, it should be noted that the loan grace period does not take effect automatically. If the borrower fails to repay the loan on time, he should communicate with the bank credit card center in time, explain the reasons in time, and avoid leaving adverse effects.

Extended data:

Generally speaking, every bank will charge a certain interest for overdue repayment, which is different from each bank, and is generally five ten thousandths of the interest. However, the value date should be calculated from the date of consumption, not from the day after the last repayment date.

It is suggested that if the total amount is not repaid, the minimum repayment amount can be repaid first, without affecting the credit line. At the same time, there will be a buffer period, so that the bank can know the flow of funds in your account in time and will not freeze the account!

When a credit card (debit card) holder chooses the minimum repayment method or uses a card that exceeds the credit limit approved by the issuing bank, he will no longer enjoy the interest-free repayment period, and will pay overdraft interest calculated at the prescribed interest rate for the unpaid part from the bank bookkeeping date.

Baidu encyclopedia-overdue repayment