We update the loan data as required by the law. We use the following schedule in reporting loans and their changes to the register:
New loans: On the day after the loan is set up. Changes to loans: As a rule, on the day after the change. Payment transactions of one-off credits: As a rule, on the day after the change.  Credit card transactions: As a rule, we report transactions subject to interest or expenses on the next day. If a transaction takes place over the weekend, we will report it on the next working day. We report the credit balance based on the situation after the invoice due date. For example, if your credit card invoice is due on the 15th, we will report your credit card balance to the register on the 17th based on the situation on the 16th. Transactions within an overdraft facility: As a rule, we report transactions subject to interest or expenses on the next day. We generally report your overdraft balance to the register once a month. If a loan has been accelerated and transferred to Lowell for collection, the transaction reports will be submitted by Lowell.