Why do you need to sign a letter of commitment when negotiating overdue credit cards at Ping An Bank?
Because you need to make a guarantee for your company.
Go to the counter of Ping An Bank’s business hall to apply for a credit card. When negotiating, remember to tell the bank that you did not intentionally miss the deadline.
Ping An Bank Credit Card is the first credit card launched after the merger of Shenzhen Commercial Bank and Ping An Bank and was renamed Shenzhen Ping An Bank. In addition to the basic functions of credit cards such as credit consumption and cash advance, it also has many Features.
The bank requires you to sign a repayment commitment letter if your credit card is overdue. Should you sign it or not?
You need to confirm whether you are able to repay the loan on time every month in the future. If so, you can sign. If your income is unstable and you will not be able to repay the loan on time in the future, you cannot sign. Because once you sign and breach the contract again, the consequences will be serious.
Agricultural Bank of China came to my doorstep with an overdue credit card and asked me to sign what kind of letter
Repayment Commitment Letter.
A repayment commitment letter can prevent the situation from escalating. We know that when a credit card is about to expire or is overdue for one month, the card issuing bank usually uses the form of telephone collection to remind and collect debtors; within 3 months of overdue collection, there will be at least 2 collections; if it exceeds 6 months, legal action will generally be taken. Litigation means. Therefore, the bank's requirement to sign a repayment commitment letter is an expression of intention for negotiation between the card issuer and the cardholder. If through negotiation, the card issuer accepts the cardholder's repayment plan, and within the next period of time, the cardholder repays as promised, then the card issuer will not initiate legal proceedings. Therefore, it can be seen that signing a repayment commitment letter is the last opportunity that the card issuer gives the cardholder to negotiate amicably, and it deserves attention. But at the same time, the repayment commitment letter is also an important piece of evidence for written collection and is indispensable for the presentation of evidence in court.
The bank asked me to write down the guaranteed repayment date for my overdue credit card
I have to write it sincerely and seriously.
A repayment commitment is actually a type of contract and of course has legal effect. However, a valid commitment must meet the following three conditions at the same time:
1. It is true and true of the parties. reflection of will. The content of the commitment letter should be the expression of the parties’ true inner intentions and cannot be forced, threatened, induced, deceived, etc.
2. There is no violation of relevant legal provisions; the content of the commitment letter must comply with the provisions of the law and cannot violate the prohibitive provisions of laws or administrative regulations, otherwise the commitment letter may be invalid.
3. No infringement of the interests of others. The promisor can only dispose of things that he has the right to dispose of, and cannot infringe on the legitimate interests of others.
The bank requires you to sign a repayment commitment letter if your credit card is overdue. Should you sign it or not?
Hello,
If you don’t sign it, the bank will think you have a bad attitude. Deliberately failing to repay will result in your
Solutions to overdue credit cards:
1. As a credit card holder, once you are unable to repay on time due to unemployment, illness or other accidents, When making a payment, before the final repayment period arrives, the cardholder is best to call the bank's credit card center to state his/her financial situation, declare that he does not owe money maliciously, and apply for a deferral of repayment. and interest discounts.
2. In view of the cardholder’s active performance and previous good credit record, the bank will often agree to defer the repayment, and work with the cardholder to agree on a mutually acceptable repayment plan, delay period, and interest discount. , monthly repayment amount, etc.
If you take the initiative to contact the bank and get the bank's consent to postpone the repayment, you will not be recorded as a bad record. However, it should be noted that you will be guaranteed to repay as agreed in the future.
3. If you forget to repay due to negligence, you must repay as soon as possible after it is overdue, preferably in full. Then call the bank's credit card center and declare that the debt is not malicious. If the record has been good in the past, and the overdue time is short, and it is found that the repayment is good after the overdue period, it may not be recorded as a bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notifications and collection information to avoid overdue payments.
4. Credit card repayment information will be recorded by the central bank's credit reporting system on a rolling basis for 24 months. That is to say, bad credit records caused by overdue credit card repayments will be kept in the credit reporting system for two years. If terminated with a card, the corresponding records will no longer
scroll, but will be saved for a long time. Therefore, after an overdue payment on a credit card occurs, it is best not to cancel the credit card immediately after paying off the debt. Instead, you should insist on using the card for more than two years and keep your credit in good condition during the period, so that you can
rely on the roll. Record and remove bad records from the credit reporting system.
In today’s credit society, don’t underestimate the stains of credit cards. This will cause you to be unable to handle many banking services, including car loans, housing loans, and commercial loans, so develop good card usage habits. , learn about the solutions to overdue credit cards and be prepared!
Loan, because there is a credit card overdue record. I am asked to write a commitment letter. How to write a commitment letter? Detailed format is required!
Satisfactory answer Anle Gongzi/sun level 4 2011-06-19 The bank should have the corresponding format text for you to sign. This commitment letter usually does not need to be written by the client himself.
Follow-up question:
The problem now is that the bank did not give me this format, and I am not in the city where the loan bank is located and I can’t go back. The bank asked me to write a letter of commitment. , and then send it over, the kind that requires fingerprints. What I need now is the format!
Answer:
I promise that the overdue payment of xx card is not a malicious default. After your bank handles the loan business, we guarantee that you will repay the loan on time every time, and no more defaults will occur. Just add the header and signature yourself and that’s it!
Follow-up question:
Is there a format? Ask for format.
For example:
Letter of commitment
To xx bank,
I am xx
ID card xx
Because xx
Then I made the following commitment.
Follow-up question:
Write it for me and I will give you extra points!
Answer:
Commitment letter xx bank: I am xx, ID number xx. A credit card under my name has expired due to xx reasons. I promise that the overdue behavior is not malicious. We also promise that the loans processed through your bank will be repaid in full and on time, and no more defaults will occur. I hope you can give me some feedback!
This concludes the introduction to the overdue credit card commitment letter and sample overdue credit card commitment letter. Have you found the information you need?