It is unreasonable to collect money one day late. First of all, it is too harsh to collect money one day late, which does not conform to the reasonable principle of lending operation. Secondly, the timing of collection should be determined according to the amount owed, the borrower's credit record and other factors. Finally, the collection should be carried out in a reasonable way, such as communicating and negotiating with the borrower by telephone or SMS, rather than resorting to improper means such as threats and intimidation.

Unreasonable reasons for one-day overdue collection are as follows:

1. The collection is too harsh: a borrower who is overdue for one day may not be able to provide the borrower with enough time to deal with the repayment problem. Overdue repayment can be a momentary negligence, not a malicious breach of contract. Reasonable collection should give borrowers a certain grace period, allowing them time to adjust their financial situation and make repayment.

2. Consider the loan amount: the applicable scenario of collection after one day overdue is not applicable to all types of loans. For small loans, usually one day overdue will not cause great economic losses, and there is no need to take compulsory collection measures immediately. On the contrary, for large loans, we should pay more attention to communication with borrowers in order to solve them through consultation.

3. Consider the borrower's credit history: collection after one day overdue may ignore the borrower's credit history and repayment ability. Some borrowers may have been paying on time in the past, but they are overdue for special reasons. Too strict collection of such borrowers may lead to unnecessary disputes and damage the credibility of borrowers.

To sum up, it is unreasonable to collect money after one day. The timing of collection should be determined according to the loan amount and the borrower's credit record, and the collection should be carried out in a reasonable and gentle way to protect the borrower's rights and interests.

Extended data:

The collection of loan contracts is regulated and restricted by law. According to the contract law of our country, collection should follow the principles of voluntariness, equality and consensus, and it is forbidden to use threats, intimidation and other improper means to collect money. In addition, China also has relevant financial laws and regulations to regulate the collection behavior of lending institutions to protect the legitimate rights and interests of borrowers.

It should be noted that the above extended information is for reference only and cannot be used as formal legal advice. The specific legal provisions and legal basis applicable to the collection of loan contracts shall be determined according to the laws and regulations of China.