Users with overdue credit cards write personal information about overdue credit cards, mainly to prove to the bank that they are not in bad faith, especially when they are faced with loans to buy a house, because the original overdue records of credit cards will affect the loan approval, but they cannot be modified at will after being uploaded to the central bank's credit information system. In this regard, if the cardholder's credit card overdue record is caused by malicious overdue, he can fill in the personal information of the overdue credit card to the bank and ask the issuing bank to issue a statement of overdue credit card.

You can refer to the following templates:

To a bank:

I, xx (ID number), found a bad credit card overdue record in my personal credit report when I applied for a personal housing commercial loan from a bank. I hereby explain to your bank as follows:

I hold your bank's credit card, but because I changed my contact information, I can't receive the bank's repayment reminder. In addition, I don't know much about the relevant systems of credit cards, which leads to overdue behavior. I didn't know the existence of overdue credit cards until I went to handle the bank housing loan business.

When I learned that the credit card was overdue, I paid the arrears at the first time. I am deeply sorry and regretful for the overdue caused by my negligence, but I really didn't mean to overdue. Please forgive me. In the future credit business, I promise to repay on time in strict accordance with your repayment plan, and there will be no overdue situation again.

Narrator:

Date: ××× year ×× month × day

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).