Why do I have to wait for the next day every time I receive a loan deduction text message?

Because the bank deducted money too late on the first day, I sent a text message to inform the customer again the next day.

1. Receiving the short message of failed deduction means that the time for timely repayment has been missed, because the sending of the short message will lag behind the time of deduction. Bank liquidation takes some time, usually at night. If the deduction fails, you will receive a text message the next day, so it is estimated that your monthly repayment date is the 9th. So your deposit on 10 night is actually overdue 1 day, and the deposit on that night should be settled on the same day, which may also be the reason for the delay of SMS, which led you to mistakenly think that the next day will be deducted. Deduction on the same day, deduction on the next day, except paying a little extra penalty interest, makes no difference to personal credit information, and it is recorded as "1" times within one month overdue.

Second, in fact, according to the loan contract, there is a corresponding timely repayment clause, and the appeal is estimated to be difficult to succeed. Loans generally have no grace period, and this business is different from credit cards, so it is better for you to remember the repayment date at ordinary times and then deposit the funds into the deduction account earlier. Another is that it is not very important for an individual to be recorded once overdue in the credit report. As long as the accumulated overdue times within 24 months do not exceed the limit set by the local bank, you can continue to handle the loan business in the future.

Third, most banks' credit information systems are equipped with automatic deduction function. After the loan principal or interest expires, the borrower's repayment account has money, and the system will automatically deduct the money. If the money is not enough, the deduction will be deducted until the balance is 0. When the loan principal or interest is recorded again, the system will automatically continue to deduct the money until the loan principal or interest is deducted enough. Some banks have set up a system to automatically deduct money once. If the buckle is not enough, it will not be deducted automatically, but manually. This is likely to happen to the subject, and the bank can't be blamed. This is how many banks deduct the automatic repayment of credit cards. Once the repayment is late, you must take the initiative to repay or consult customer service.

If the automatic repayment amount of the credit card is not enough, the system will not automatically deduct the money from the automatic repayment account, but the cardholder needs to take the initiative to repay, that is, manually transfer the money to the credit card account through the counter, online banking or ATM, until the short message of successful repayment in full is received, which is regarded as the completion of the repayment process. One day's delay in repayment is considered overdue. Loans are not as time-tolerant as credit cards. As long as the loan is late, it will be recorded in the personal credit report because it is really not cost-effective to record a black account with this little interest and one day. Remember, remember!