1. Two special situations for the treatment of bad debts:
1. Bad debts caused by overpayments, such as 7,999 owed to a bank credit card, repayment 8 000, if you pay an extra dollar if you don’t withdraw it for a long time, it will also cause bad debts. In this case, you have to withdraw the excess payment before closing the account;
2. Bad debts caused by annual fees can be repaid. Clear the debt. Banks typically deal aggressively with bad debts resulting from both situations.
2. Handling of bad debts under general circumstances:
1. After bad debts are incurred due to arrears, repay the debts in a timely manner and cancel the account. Note that the account must be closed;
2. After canceling the account, you will find that some banks will update it quickly and even classify the account as a non-overdue account. However, even if some banks still have bad records after canceling their accounts, you can still proactively consult the bank or handle objections.
The above is the relevant content on how to deal with bank bad debts.
What situations will be recognized as bad debts
1. The guarantor and borrower are declared bankrupt, closed or revoked in accordance with the law, and their legal person qualifications are terminated. The creditor's rights that are not recovered after the financial enterprise recovers from the guarantor and the borrower;
2. The borrower suffers an accident or major natural disaster, suffers huge losses, and is unable to obtain insurance compensation, or is unable to repay part of the insurance compensation. or all debts, claims that the financial enterprise failed to recover after paying off its property and recovering the guarantor;
3. The borrower violated criminal law and was sanctioned in accordance with the law, and the property is insufficient to repay the debt. There are no other debt holders, and the financial enterprise cannot recover the debt after recovery.
This article mainly writes about knowledge points about how to deal with bank bad debts. The content is for reference only.