Of course. Bai Hua repays the loan on the 20th, and it can be repaid on the 20th. As long as the repayment is made before 24 o'clock on the same day, it will not be overdue and will not affect personal credit information. Flowers have no grace period. If the user repays after 24 o'clock on the same day, it is overdue.

Bai Hua not only does not support deferred repayment, but also does not support negotiated repayment. In addition, Bai Hua has begun to fully enter the credit information system. Once overdue, it is likely to have an impact on the user's personal credit information, not only affecting the user's sesame seeds and flowers.

Does the minimum repayment amount affect credit reporting?

The minimum repayment amount does not affect the credit investigation. What affects personal credit information is the delayed repayment behavior of personal loan products that meet the credit information conditions and the number of loan applications submitted by users. For Huayuan, the minimum repayment amount belongs to the official repayment scope of the platform and cannot be regarded as overdue repayment. So there will be no credit stain. Secondly, you don't need to check the credit information when using the flower garden, and the credit information data will not change.