1. Repayment is regarded as the next day's repayment: according to bank regulations, the repayment time is 24: 00 on the same day. If the repayment is made in the early morning, the banking system will regard the repayment as the repayment the next day, resulting in overdue interest and late payment fees.
2. Maintenance of the banking system: The banking system is usually maintained and updated in the early hours of the morning. If the repayment is made at this time, the repayment fails or is delayed to the next day, resulting in overdue fees.