everymonth I have to pay my loan on the 2nd of the month but I dont really care, I always pay on middle of the month or end of the month.
Is there any for the record?

only got record if you're 1 month late

What loan? dont have daily late interesr?

If your loans are due 2nd and you pay on the 15th, you can be sure it is already captured by the system somewhere.

What you want to know is what record you have.

Chances are, your CCRIS will consistently show a string of "1" for your car loan, meaning you are consistently late by 1 month on your car repayments.

While having a consistent string of 1's is not a big deal (it shows a delayed repayment pattern rather than a defaulting pattern), it's still not perfect. Try to pay on time before it becomes due.

Otherwise, if you got lots of time to spare, ask your bank to change your billing cycle to match your payment patterns.

Means I must pay the loan before due date? Omg. I thought no matter what I have to pay it on that month only

As long I didn't late for one month