Detailed description:

1. Default record: Generally, a grace period will be set for bank loans, that is, repayment can be made within a period of time after the repayment date. If the debt is paid off within the grace period, there will be no record.

2. Impact on credit score: The bank evaluates the credit score according to individual repayment records and credit status. A temporary one-day delay in repayment will not have a significant impact on the credit score.

3. Overdue records: The bank will only generate overdue records within a certain period of time after the borrower's overdue repayment. A delay of one day is not enough to be considered overdue.

Summary:

If the bank loan interest is paid one day later, there will be no bad record and it will not have a significant impact on the personal credit score. But I suggest timely repayment, so as to develop good repayment habits and safeguard personal credit.

Extended data:

The bank will specify the repayment date and grace period in the loan contract. Generally speaking, paying off the arrears within the grace period can avoid the occurrence of overdue records. However, if the repayment exceeds the grace period, the bank may collect the borrower, resulting in overdue records, which may have a negative impact on the credit score. Therefore, it is very important to observe the repayment period.

In addition, if the repayment cannot be made on time due to special reasons, it is recommended to communicate with the bank in time to explain the situation. Banks can give corresponding treatment according to the actual situation, such as extending the grace period or making other repayment arrangements. It is very important to maintain communication and transparency on repayment.

In short, even if the bank loan interest is paid one day late, there will be no bad record, but it is still recommended to abide by the repayment period and maintain personal credit and good loan relationship.