Repaying one day late usually does not directly affect your credit score.

Details:

1. Credit reporting is a record of assessing credit status based on an individual’s credit behavior, including loan repayment status, credit card repayment status, etc. One day late on a payment may be considered a late payment, but it usually does not have a significant negative impact on your credit score.

2. Credit reporting agencies usually classify overdue repayments into different grades such as within 30 days, 30-60 days, 60-90 days, and more than 90 days. A one-day late payment is usually considered a delinquency within a shorter time frame and is not considered a serious breach of contract.

3. Generally speaking, one day's late payment may result in additional late fees or penalty interest, but these will be settled during the next repayment. Only when the loan is overdue for a long time and continues to be unrepaid will it have a greater negative impact on your credit score.

Summary:

A one-day late repayment will usually not directly affect your credit record, but it is still recommended to repay on time to avoid possible additional fees and potential credit risks.

Extended information:

Credit record is an important indicator of personal credit level and has an important impact on financial transactions such as loans and credit card applications. A payment that is one day late may be recorded on your credit report, but usually has a relatively minor impact on your credit score. In order to maintain a good credit status, it is recommended to abide by the repayment agreement and try to avoid late repayments.