Occasionally 1 time does not exceed 90 days, which has little effect. Even if only 1 time is overdue for more than 90 days, it will be regarded as malicious overdue by the bank and blacklisted. It's just that your bank credit has 1 overdue credit record. As long as it is not important to repay on time in the future, three such overdue records may also be blacklisted. Please cherish your credit history.

Second, how to apply for postal loans

You can apply for postal loans. The specific steps are as follows: the user installs the Postal Savings Bank App on his mobile phone and logs in, then finds "Postal Savings Loan" on the loan page and clicks "Apply Now". At this time, he fills in relevant information, including loan amount, term, bank card, etc. , submitted for bank review. Usually he will tell you by text.

After the postal loan is approved, the bank will lend money and the subsequent users will come as required. Postal loan is a credit loan launched by Postal Savings Bank for specific users. Different users get different credit lines, which are generally higher than those of the Postal Savings Bank.

What will happen to users after borrowing money, because there will be penalty interest after overdue, and the longer the time, the more penalty interest. Moreover, after the deadline, the bank will upload it to the credit information center, which will lead to the deterioration of personal credit information and affect the handling of subsequent loans, and will not repay the bank for a long time.

In order to ensure timely repayment after borrowing, users should know the return of income when using postal savings loans. If personal income is not difficult to repay, you can borrow money from friends around you.

3. Will one-day overdue payment of postal service affect the credit?

Occasionally 1 time does not exceed 90 days, which has little effect. Even if only 1 time is overdue for more than 90 days, it will be regarded as malicious overdue by the bank and blacklisted. It's just that your bank credit has 1 overdue credit record. As long as it is not important to repay on time in the future, three such overdue records may also be blacklisted. Please cherish your credit history.

4. Does a day in loans overdue matter?

If you post in loans overdue for one day, it won't affect your credit, because if it's not overdue for too long, it won't affect your credit. If you want to get a loan in the postal service, you must meet the loan conditions before you can get a loan. Be of the right age, have a stable job and income, and be able to repay on time every month. If the repayment period is overdue, it will affect your credit information.