Writing appeal materials requires a reasonable reason, such as: business trip, illness, buying a house, buying a car, payment on behalf of others, etc. The period of proof of trust is binding to a certain extent and can highlight the acuteness of the problem. Be sure to combine the details in the audit and dig out more details based on the actual situation. If there is consumption behavior during the period, you must think about how to explain it in advance, and the reason must be reasonable.

1. Proof of non-malicious overdraft

You can go to the relevant China Merchants Bank center to issue a certificate of non-malicious overdraft. The premise is that the money in the credit card is settled. Go directly to the China Merchants Bank Card Center to explain the situation and ask the relevant staff to issue a certificate with the official seal of the center. If the withdrawal cannot be made, you can complain to the China Banking Regulatory Commission and report it to the Personal Credit Center of the Central Bank. The central bank will be responsible for truthful records, issuing settlement certificates and non-malicious overdraft certificates, and providing information to bank card center staff.

2. Make timely repayments.

As long as it is a loan, it must be repaid in time, otherwise the later period will be very troublesome. You must know that as long as there is a problem with your credit report, it can only be eliminated after 5 years. Of course, if you accidentally overdue or forget to repay, you must first communicate with the bank. Because the bank has an expected time, as long as it is completed within the grace period, it will not go up for credit reporting. Or you can contact the bank immediately to submit a certificate of non-malicious overdue payment and apply to the bank for cancellation. Of course, the amount cannot be too large, otherwise the bank will not be able to handle it.

It can be seen from the above that before using it, you must consider whether you have the ability to repay it. If you can't repay it, don't use it. Do not affect your future consumption just for this one use. In addition, remember not to cancel the overdue card immediately. This is a very undesirable behavior and will also affect your future loans. If you just want to insist on using this card, you must maintain good repayment habits. Only by paying back in time can you have a good credit standing.