Delaying payment will result in overdue records. And once the overdue amount is repaid, the cause of the overdue is lifted, so the debt is eliminated. By the way, will the delinquency history disappear immediately just because the unpaid amount is paid?
The answer is no.
The fact that you are delinquent will remain on the record for a period of time, which will change your credit and interfere with other financial activities. Your credit rating will go up slowly until your delinquency records are completely erased. 연체기록
How to delete overdue records? 좋은뉴스
First, when payment is delayed, overdue information is shared through the credit rating agency platform, and my credit rating is lowered. When the non-payment is completed, the fact of full payment will be reflected after 2-3 days, and the delinquent status will be changed to Cancel. Deletion of overdue records in the canceled status varies depending on the overdue period.
Less than 300,000 won or less than 30 days in arrears after 1 year
After 3 years if overdue for less than 90 days
5 years after more than 90 days overdue
※ For non-payment of less than 100,000 won, long-term non-payment will not result in a decrease in credit rating.
In the case of direct debit, if payment is delayed, the balance in the bank account becomes 0 won. Therefore, it is best not to overpay your loan, even for the smallest amount.