Will receiving this short message affect the credit investigation?

Will not affect personal credit. It is imperative that you call the bank customer service first to explain the situation, and you must provide it truthfully and tell you to implement the repayment immediately. Secondly, it should be clear that every bank has a generous period, usually three days, which means that it is not overdue to pay off within three days after the repayment date.

Everyone knows its importance, but many people don't know what behavior will affect personal credit. Many bad credit reports are unintentional. Although personal credit information sometimes has no intention of causing bad records, financial institutions only look at the results of credit information, not your process. Once there is bad credit, whether objective or subjective, it will affect the approval of loans or credit cards. Therefore, in normal work and life, everyone can pay attention to their own behavior, nip in the bud, and create a good environment for their credit investigation. Some credit cards have an annual fee. Most banks will generate an annual fee after you open the card. After one year, you have to spend a certain number of times to avoid the annual fee. Some people think that you don't have to pay back the money as long as you don't swipe your card after opening it, but in fact there will be an annual fee. If the number of brushes is not enough and the annual fee is not paid back, it will cause overdue.

1, credit card overdue

After the credit card repayment expires, it fails to repay on time, or the repayment fails to reach the minimum repayment amount.

2. Overdue loans

Some people in loans overdue will receive credit information at the meeting, while others will not. Such as bank loans, some small loan companies, online loans and so on. Will report credit information. Although some loan companies don't report credit information, don't take any chances. Once the loan company is overdue, it may cooperate with other financial institutions connected to the credit information system to upload overdue records.

3, the cost adjustment caused by overdue

Some banks have floating interest rates, especially mortgages. If the mortgage interest is raised, the owner will still repay the loan according to the original repayment amount, which will easily lead to overdue.