Repayment 4 days late may have an impact on personal credit.

Details:

1. First of all, banks usually focus on the borrower's repayment record when considering personal creditworthiness. Late repayment is a breach of contract and may be considered a failure by the borrower to perform its obligations as stipulated in the contract.

2. Secondly, late repayment may cause a decrease in personal credit score. China has a credit reporting system, and banks will report borrowers’ repayment behavior to credit reporting agencies. Late payments will be recorded on a person's credit report, which can have a negative impact on getting a loan, getting a credit card or buying a home in the future.

3. In addition, late repayment may also cause the bank to take further measures, such as issuing a collection notice to the borrower, increasing interest or imposing penalties, etc. These measures may cause financial and credit distress to individuals.

4. Summary: Late payment by 4 days may have a negative impact on personal credit, including lowering credit scores, limiting credit activities, and may result in additional fees and collection measures.

5.

Extended information: Individuals should try to avoid late repayments, abide by the repayment deadlines agreed in the contract, and ensure that there are sufficient funds to repay loans or credit card bills on time.