Non-malicious overdue certificates of loans or credit cards can be processed at local bank outlets as long as they carry valid personal identity documents and relevant certificates of non-malicious overdue. If you apply for a non-malicious overdue credit card certificate, you also need to bring an overdue credit card.

However, the proof of non-malicious overdue can only be issued if the applicant is really non-malicious, such as the reason why the annual credit card fee is overdue and the third party fails to repay the loan according to the contract.

legal ground

Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 25 If the lender requests the borrower to pay interest at the interest rate agreed in the contract, the people's court shall support it, except that the interest rate agreed by both parties exceeds four times the market quotation of one-year loan at the time of the establishment of the contract. The "one-year loan market quotation" mentioned in the preceding paragraph refers to the one-year loan market quotation issued monthly by the National Interbank Funding Center authorized by the People's Bank of China from August 20th, 20th, 20th19th.