1. Banks generally have a grace period, usually three days. If they pay off their debts within the grace period, they will not be charged a penalty interest, let alone receive a credit information, so they will be treated as not overdue;
2. Because the update time of the credit center and the reporting time of the bank may be different, the information on the credit report may be 2 months ago, so your overdue period is not displayed for the time being.
in addition to the central bank's credit investigation, users are advised to check the personal credit big data report in Eagle Heart Express, check their own comprehensive credit score, check the loan record, whether it is overdue, whether it has been blacklisted, and so on.
Extended information:
How often is the credit report updated?
the personal credit report of the central bank is updated once a month. If the borrower pays off the loan this month, it will take one month at the earliest. If the user needs to update the record urgently, the bank can submit the record to the personal credit record immediately and update it immediately. Although the personal credit record is updated once a month, if there are bad records, they will be kept for five years, so we should try our best to avoid bad records.