Will the Postal Savings Bank report the loan repayment one day late?

Loan repayment is one day late and will not be reported immediately.

Detailed description:

1. The Postal Savings Bank will generally record the repayment of customers according to the repayment date agreed in the loan contract.

2. If the loan repayment is one day late, the bank will generally regard it as overdue, but it will not report this information to the credit reporting agency immediately.

3. Generally, banks will report overdue records to credit reporting agencies after customers are overdue for a certain number of days, which may be about 30 days.

4. During the overdue period, the bank can remind customers to repay as soon as possible by phone or SMS to avoid further credit risk.

5. If the repayment is one day late, but the payment is made within the overdue period, it will not be reported to the credit reporting agency.

6. However, if the overdue time is too long or the frequency is too high, the bank may report the overdue records to the credit reporting agency, which will have an impact on the customer's credit rating.

Summary:

If the loan repayment is one day late, the credit will not be reported immediately, but if the overdue time exceeds a certain period, the bank may report the overdue record to the credit reporting agency, thus affecting the customer's credit rating.

Extended data:

Credit reporting agencies specialize in collecting and managing the credit information of individuals and enterprises to evaluate the repayment ability and credit status of borrowers. Credit institutions mainly include China People's Bank Credit Information Center, People's Credit Information and Sesame Credit.