I paid back the car loan on the 25th. I forgot. I didn't remember it until I saw the debit message. Now I have saved enough money. When can I make up the buckle? Will it affect credit reporting?

If it does not exceed 3 days, it will generally have no impact. It doesn't matter. Generally, there is a time limit for car loans. If the 25th is the repayment date and there is no repayment after 25th, the bank will send a message. This period has no effect, and repayment within the specified time has no effect (three days). If the specified repayment date is exceeded, it will have an impact on personal credit information, and overdue records will only be generated after the deadline.

Judging from the current situation, if the car loan is overdue, the consequences will gradually increase with the increase of overdue time. Specifically including:

1. Personal credit record is affected. If you apply for a loan directly from the bank without repayment, your personal credit record will be affected. Without a good credit record, it will directly affect the borrower's future application for loans;

2. Penalty interest. According to the regulations of various lending institutions, the longer the personal car loan is overdue, the more serious the penalty interest will be;

3. If the loan is not repaid after repeated reminders, the lending institution may auction the car purchased by the loan or the car fully mortgaged for repayment of the loan. Therefore, after applying for a loan to buy a car, the borrower must remember to repay it on time. If you are really unable to repay, you can apply for an extension.

Extended data:

Now there are more and more credit cards and bank loans. It is not surprising that a person has multiple credit cards or loans. However, both credit cards and loans are overdue or overdue, which will have an impact on his life and travel, especially the banking-related business. What other circumstances will affect his credit information?

First, the credit card is overdue

Generally speaking, overdue credit cards will damage credit records. As long as your credit card is overdue three times in a row, or six times in two years, it will leave a stain on your personal credit.

Second, personal loans overdue.

I believe that everyone has borrowed money, whether buying a house or buying a car. If the repayment is not made on time during the repayment process, a warning will be given once overdue; If it accumulates to six times, the bank will take legal procedures and directly seal up the property or car.

Third, the credit card application has not been activated.

With the popularity of credit cards in society, many people will have multiple credit cards. However, the more credit cards, the better. If you do not use them after they are activated, there will be an annual fee. If you don't pay them, it will also affect your sincerity.

Fourth, help people guarantee.

Don't just make a temporary guarantee for others, be careful! Because others don't pay, you have to bear the money. If you can't repay, you will also leave a record on your credit report.

Five, the interest rate is raised, and the monthly payment is still paid according to the original amount.

Now with the introduction of national policies, the loan interest rate is gradually raised. If you pay the "monthly payment" according to the original amount at the same time of interest rate and interest, it will lead to overdue arrears.

6. Idle numbers are not cancelled.

Nowadays, mobile phone numbers are registered with real names, which are generally bound to ID cards. If you don't use it, you will owe money first, and more than three months will directly lead to overdue.

Seventh, the identity card was fraudulently used.

At present, the means of swindlers are endless. Generally, only one ID card or a copy is needed to handle informal loans and businesses. Many people don't care much after losing their ID cards. As a result, they were in debt for no reason. I checked, and it turned out to be a mortgage.

References:

1 day overdue blacklist? Rumors-Rule of Law-People's Network