the repayment method of daily overdue loans of rural credit cooperatives is: logging in to mobile banking, online banking or applying at the counter with my resplendent credit card and ID card. The cardholder can return the daily loan principal to the credit card by himself under the condition of ensuring that the bill has been paid and the current interest and expenses have been paid off. Interest will be charged on a daily basis according to the overdraft interest rate of the card from the day after the overdue maturity date, and the overdue date will not be repaid on the last repayment date of the billing cycle, which will also affect the cardholder's personal credit record.

1. How to repay the overdue daily loan of Yunnan Rural Credit Cooperative

"Daily loan" is a short-term cash overdraft service provided by Yunnan Rural Credit Cooperative to Jinbi and cardholders, that is, the cardholder transfers the funds within the cash advance limit of the credit card to his debit card account with the same name opened in the rural credit cooperative for consumption. "Daily loan" has the characteristics of "quick application, real-time payment, daily billing and repayment when due". In addition, farmers can also enjoy the "daily loan" business. According to the rural credit cooperatives, the person in charge in the past said that due to the unstable income sources of farmers, users were always restricted from using credit card services.

2. How soon can the credit record of Bank loans overdue be restored?

In fact, there is absolutely no need to worry about what Bank loans overdue said, because sometimes the cash flow is poor, and many people can't guarantee to repay the loan on time. If there is overdue, the bank will give the user a grace period, usually 9 days. Whether it is a credit card or its user loan project, there will be some fines. As long as the fines and interest charges are returned, it will not have much impact on the credit investigation. In addition, the biggest change is that the credit record has changed from the past two years to the current five-year record, which means that the credit history that banks can refer to is getting longer and longer, and the five-year credit evaluation will become more and more strict.

to sum up, it is easy for people who are overdue for a long time to lose their credit and it is difficult to improve their credit. Five years is also a long time to limit one's financial activities. During this period, no loans can be made, which is a huge loss for business, investment and asset withdrawal. So try not to be overdue, which is responsible for yourself.