Whether being one day overdue on an Agricultural Bank of China mortgage loan will affect your credit report, you need to know whether there is a grace period in the user's loan contract. If there is a grace period, then one day overdue will not affect your credit report. You just need to do it as soon as possible Repayment. If there is no grace period, overdue payments will result in a credit report, and an overdue record will be added to the credit report. Overdue records may cause the user to be rejected for future loans, so be sure to maintain a good repayment record to avoid any impact on personal credit value.

1. What impact will there be if overdue records appear?

When we apply for a loan, we need to sign a loan contract with the bank. It is stated in the contract that if the user violates the rules, the bank can solve it through legal means, but this solution is for The overdue amount is large, the overdue time is too long, and other bad behaviors occur. However, it should be noted that once there is an overdue record in the credit report, it will have an impact on the user's re-application for a loan.

2. There is an overdue record in the credit report. How to solve it?

In the credit report, once an overdue record appears, it cannot be eliminated voluntarily. Generally, the record will be retained for five years and will be automatically eliminated after the time is up. Many users are worried that this record will affect subsequent loan applications. In fact, there is no need to worry too much. If the bank checks the user's credit report and the user has only one overdue record and quickly repaid the debt, you can explain it to the bank. If appropriate, banks will also consider lending to users.

3. Contact the bank staff as soon as possible to negotiate for repayment of the outstanding amount.

Overdue behavior is divided into non-malicious overdue behavior and malicious delinquency. If the user fails to repay due to depositing the wrong amount or some force majeure reasons, and proactively contacts the staff to explain the situation as soon as possible, although the record will not be deleted, it will not be defined as malicious default. If a user commits malicious defaults, he or she will not only be reported to the credit reporting system, but will also be blacklisted by the bank, and all subsequent loan business and credit cards will not be processed normally.