1. How to write a poverty certificate for credit card negotiation and repayment

When issuing a poverty certificate, the cardholder should note the family situation and explain that it is temporarily unavailable. Reasons for repayment and write your own demands based on the current economic situation. Many defaulting cardholders are unable to repay due to family reasons. Therefore, when writing a poverty certificate for agreement repayment, attention should be paid to clearly introducing the family situation. Then clearly state the reason for the overdue payment and provide the bank with supporting materials proving that it was not malicious.

Finally, write down your needs and apply for deferment or installment repayment based on the current economic situation. It's best to see if you can reduce liquidated damages or interest etc.

2. Is a proof of poverty necessary for negotiated repayment with a credit card?

Negotiated repayment with a credit card does not necessarily require a proof of hardship. The proof of hardship is not a necessary condition, but one of the materials required by the bank. Each bank has different requirements and negotiation methods, as well as different requirements for whether hardship is ultimately demonstrated. The reason why banks require users to provide proof of difficulty is to allow cardholders to prove that they are not maliciously overdue and that they indeed have repayment difficulties. If the cardholder cannot provide it, it is recommended to explain it clearly to the bank and see if other materials can be used instead. Never make a false certificate.

Since the repayment negotiation process is relatively long and difficult, cardholders need to be patient and communicate with the bank repeatedly. If the bank directly rejects the user's negotiation application, the cardholder can also complain to the China Banking Regulatory Commission, which usually has good results.

3. What materials are needed to negotiate repayment with a credit card

1. Proof of financial difficulty. Print a certificate of difficulty and write down your personal and family circumstances. If you are a rural resident, you can ask the local village committee to get it stamped, and community residents can ask the community neighborhood committee to get it stamped.

2. Proof of income. Whether you have no money to repay or are in a state of large debts, your current income and salary situation must be truthfully conveyed to the bank.

3. Credit report, which not only shows the cardholder’s credit record, but also the cardholder’s total debt, so most banks require one.

4. Proof of special circumstances. When the cardholder negotiates, choose the reason to prove the inability to repay and present the corresponding materials. For example, if you have experienced an accident, please provide a disability appraisal certificate; if it is a sudden illness, please provide a diagnosis report, etc.

In short, the above is all about how to write a poverty certificate for credit card negotiation and repayment. Credit card negotiation does require a variety of information, but it does not have to be a fixed one, as long as it can prove that the cardholder is indeed Anyone who cannot afford to repay can do so.

If there are any unclear or new situations, we recommend that you call us directly for free consultation so that you can understand the communication case situation and provide you with detailed and targeted answers to avoid problems due to incomplete information and poor communication. , the answer is wrong.