Why is the repayment of Jin Yan E-loan at 23: 00 p.m. displayed at 23: 00 the next day?

Because it is a batch processing system, the time is not fixed.

And because it is a batch processing system, the time is not fixed, but it has delayed you. For example, the agreed deduction time is the 20th of each month, and the actual system payment is in the morning of 2 1. The specific score is not fixed, but it will definitely reach 2 1, so you must be overdue if the system does not make a payment.

Second, banks have a grace period. When the system can't withdraw money, it will give you a short message prompt. After two days, the system will try to withdraw money again. You have two days to replenish the funds in your account. It will be overdue to withdraw money in two days. At this time, your overdue record is officially generated.