Detailed description:
1. ICBC's car loan is generally overdue for one day without additional deduction, because the overdue fee is often calculated according to a certain number of overdue days. One day's overdue time is short, and banks generally don't charge extra fees separately.
2. The bank will clearly stipulate the calculation method and standard of overdue fee in the loan contract, and most of them will be charged according to a certain proportion of overdue amount, such as 0.05% per day.
3. If the car loan is overdue for a long time, exceeding the grace period or the longest overdue time stipulated by the bank, the bank will increase the overdue fee and penalty interest according to the contract.
4. Overdue car loans will have a negative impact on personal credit records, and banks will report overdue records to credit reporting agencies. This will have a negative impact on individuals' future access to credit and other financial services.
5. There may be a delay before the credit reporting agency submits it to the bank, which will lead to the overdue of the car loan for one day and will not be reported immediately.
6. Different banks may have different service policies. It is recommended to refer to and abide by the loan contract and relevant regulations of ICBC.
Summary:
When the car loan is overdue for one day, ICBC usually does not deduct the extra fee. However, continuous overdue will lead to additional overdue fees and penalty interest, and will also have a negative impact on personal credit records. So it is very important to ensure timely repayment.
Extended data:
As far as I know, overdue repayment has a negative impact on personal credit history. When the repayment fails to arrive in time, banks often report overdue records to credit reporting institutions, and the records may be kept in personal credit reporting for a period of time, which will affect the approval of personal applications for loans, credit cards and other financial services in the future. Therefore, timely repayment is the key to maintaining personal credit records. In order to avoid overdue, automatic deduction or repayment reminder can be set in advance to ensure timely repayment of loans.
In addition, it is worth noting that each bank may be different in the overdue handling and charging methods of car loans. Therefore, according to the specific situation, it is still necessary to refer to the personal car loan contract and related regulations, or consult the customer service staff of ICBC to obtain accurate information and suggestions.