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Is there any SAIC-GM Financial that is one month overdue?

No. However, being overdue for one month will not affect it for the time being. However, if you are overdue for more than two times with late payment fees and interest, your credit report will be bad, which will affect your loans and credit cards from other banks within five years. It is recommended to contact the institution as soon as possible to handle it.

1. SAIC-GM Finance Co., Ltd. (GMAC-SAIC) is an auto finance joint venture founded in 2004 and headquartered in Shanghai. The company's business scope includes: providing car purchase loans to end users, handling vehicle purchase loans for car dealers, and operating equipment loans, etc. On October 18, 2010, the company issued a total of 1.5 billion yuan in financial bonds; in December 2012, the company's business scope expanded to more than 300 cities in 30 provinces across the country. GMAC-SAIC was established in 2004 as a joint venture between General Motors Financial Corporation (now renamed Ally Financial Inc.), Shanghai General Motors and SAIC Finance. As China's first professional auto finance company. SAIC General Motors Finance Company specializes in providing financing services to General Motors and other automobile brand customers and automobile dealers. Registered capital is 1.5 billion yuan.

2. Credit reporting is a Chinese vocabulary, the pinyin is zhēng xìn, which means to collect, organize, preserve and process the credit information of natural persons, legal persons and other organizations in accordance with the law, and to provide external credit reports, credit evaluations, Credit information consulting and other services help customers judge and control credit risks and conduct credit management activities. The credit report records an individual's past credit behavior, which will affect the individual's future economic activities. These behaviors are reflected in the personal credit report, which is often referred to as the "credit record." The word "credit investigation" comes from "Zuo Zhuan: The Eighth Year of Duke Zhao", "A gentleman's words are trusted and confirmed, so the resentment is far beyond his body." Among them, "faith and credit" means that one can verify the truthfulness of one's words, or solicit and verify credit. Credit reporting is an activity in which a professional, independent third-party agency establishes credit files for individuals or enterprises, collects and objectively records their credit information in accordance with the law, and provides external credit information services in accordance with the law. It provides professional credit institutions with A platform for sharing credit information. In May 2019, a new version of the personal credit report will be officially launched, and the duration and granularity of the credit report information will be further improved.