If my loan is overdue for one day, will I have a personal credit report?

Yes, if the loan is overdue for one day, a personal credit report will be issued. Any overdue loan will be recorded in the personal credit report, lowering the personal credit score and affecting credit applications and interest rates.

Will a personal credit check be conducted if the loan is one day overdue?

Answer:
Yes, if a loan is overdue for one day, a personal credit report will be issued.

Detailed description:

Jiebei is a loan product of Ant Financial and is a credit loan. When a loan is overdue, it will be recorded in the personal credit report regardless of the length of the overdue period. Personal credit information is managed by the Credit Information Center of the Central Bank and is a comprehensive reflection of personal credit records, including loan records, repayment records, credit card usage records, etc.

Overdue records have a negative impact on personal credit scores. The higher the credit score, the better the personal credit, the easier it is to obtain financial services such as loans or credit cards, and you can enjoy lower loan interest rates. Overdue records will lower your credit score and affect personal credit applications and interest rates.

Therefore, in order to maintain good personal credit and avoid overdue records, you should repay your debt on time. If you encounter special circumstances and are unable to repay in time, you should proactively contact Ant Financial customer service to explain the situation and negotiate a repayment plan to avoid adverse effects on personal credit.

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