1. After one day in loans overdue, what users can do is to pay off their debts in time, and then get in touch with lending institutions or banks to explain the situation and their problems. Because most banks will set a three-day repayment grace period, it is only one day overdue, which has little impact on users. Don't let the overdue period continue to extend.

Now in our life, loans have become more and more common. Young people and middle-aged people seem to have their loan needs. For young people, their loans are mainly used for high-end consumption, such as buying skin care products, clothes and electronic products. For middle-aged people, because of the small family loan pressure, they may need to overdraw to maintain their family's life. In short, it is not shameful that people of any age have loan needs. It is important to repay the loan in time. Because any loan is connected with the central bank's credit information system, once the repayment deadline is missed, it will be directly recorded in the credit information report, which will have an impact on the user's future life and may even face jail.

Of course, there are also some people who are one day overdue for some special reasons, such as having no disposable repayment funds or forgetting the repayment date. In fact, although we say that overdue is terrible, it does not mean that banks are very strict in controlling overdue. Generally speaking, a day overdue will not have much impact, because many banks now set a three-day grace period, as long as the arrears can be clarified in time within three days after the repayment date, the liability can be exempted.

Personal credit information is very important to everyone. If the credit information is hacked or spent, it is likely to affect the application for the next loan. Specifically, there are three main types of overdue:

1) Short-term and continuous overdue personal credit information is an important basis for measuring the applicant's credit level. If the applicant's loan application is overdue 1 (which means overdue for more than 30 days), it has appeared 1 several times in the last 3-6 months, or 1, 2, 3 continuously.

2) Personal credit reports that are overdue for many times within two years will record personal loan repayment in the last two years. If the overdue times are less than 5 times in these two years, the overdue times will be1(within 30 days).

3) Bad debts are overdue for many times. If it is overdue for many times, it will not be returned. Repeated collection does not work, then it will be judged that the borrower is in arrears, that is, bad debts.