Detailed description:

1. credit record: overdue repayment will have a negative impact on personal credit record. Even if it is only one day overdue, banks or lending institutions will record this information, which may adversely affect future applications for credit cards, loans, renting houses, etc.

2. Penalty interest and late payment fee: If the repayment is overdue for one day, the bank or lending institution may collect penalty interest and late payment fee according to the contract. Penalty interest is extra interest charged on overdue repayment amount, and late payment fee is liquidated damages. Even if it is only one day overdue, there may be an extra charge.

3. Credit score: overdue repayment may lead to a decline in personal credit score. Credit score is one of the bases for banks and lending institutions to evaluate personal credit status. Low credit score may affect personal lending ability and interest rate conditions in financial markets.

Summary:

Therefore, repayment immediately after one day overdue may have a certain impact on personal credit records, expenses and credit scores. It is recommended that you repay the loan on time and maintain your good credit record and credit status.

Extended data:

According to the regulations of banks, lending institutions and credit information system in China, overdue repayment will have a negative impact on personal credit. Personal credit record is very important, which has a certain impact on finance and life such as loans, credit cards, insurance and renting houses. Therefore, overdue repayment is an act that needs to be avoided, and we should try our best to repay on time.

The above answer is based on the regulations of banks and lending institutions in China and the operating principle of the credit information system. Will one day overdue affect the immediate repayment?