1. Can credit card repayment be postponed during the epidemic?
During the epidemic period, those who meet the conditions can postpone the repayment of credit cards.
Generally, it is caused by epidemic situation, which can be delayed. Relevant policies clearly stipulate that: for those who are hospitalized or isolated due to new pneumonia infection, need to be isolated for observation due to epidemic prevention and control, and participate in epidemic prevention and control, if they fail to repay in time due to the impact of the epidemic, the relevant overdue loans may not be submitted as overdue records, and those submitted may be adjusted. Individuals and enterprises that temporarily lose their sources of income due to the epidemic can submit credit records according to the adjusted repayment arrangements.
Financial institutions should appropriately tilt the credit policy, flexibly adjust the repayment arrangements of personal credit such as housing mortgage and credit card, and reasonably postpone the repayment period. Personal business guarantee loans infected with new pneumonia can be extended for one year and continue to enjoy financial discount support. Financial institutions should give priority to customers infected with new pneumonia or damaged by the epidemic, appropriately expand the scope of responsibility and make full compensation.
Two, during the epidemic, credit card repayment can be postponed for a few days.
During the epidemic, credit card repayment can be postponed for 3 to 6 months. The specific time is not uniform, and the regulations of each bank are different. Should be determined through consultation, generally can be extended to the end of the epidemic. At present, many banks are accepting applications for extension of loan repayment in the current month, and the extension period is mostly from ten days to one month (depending on different bank policies). However, for people who temporarily lose their income sources in key epidemic areas, some banks can delay repayment of the principal for three to six months.
3. What is the meaning of a credit card?
Try to remind you that the meaning of a credit card is a card issued by a bank, giving the cardholder a certain credit limit, within which the cardholder can spend first and then repay. With this, you can shop, spend money and deposit and withdraw cash from the bank. The form is a card with the issuer's name, expiration date, number and cardholder's name printed on the front, and the card surface has a chip, a magnetic stripe and a signature strip.
Is it compliant for banks to handle credit cards at home during the epidemic?
During the epidemic, it is not standardized for banks to handle credit cards at home.
During the epidemic period, unnecessary personal contact should be avoided, and bank employees should not violate local epidemic prevention policies. Credit cards can be resumed after the epidemic is over.
For those hospitalized or isolated people with new pneumonia, those who need isolated observers for epidemic prevention and control, those who have temporarily lost their livelihood due to the epidemic, financial institutions should appropriately tilt their credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgage and credit card, and reasonably postpone the repayment period. The earliest credit card appeared at the end of 19. From 65438 to 1980s, the so-called credit card was developed in British clothing industry, followed by tourism and business departments. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line. The invention of credit card is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of issuing credit cards is to make money. Once the interest-free repayment time is exceeded, high interest will be charged, usually five ten thousandths of interest per day. Blind consumption of credit cards is not like paying cash in a lump sum. I don't feel anything when I brush. A few figures lead to blind consumption and spending money like water. Excessive consumption of notebooks, digital cameras and smart phones, while enjoying your favorite items in advance, you should also consider whether you can repay them.
How to deal with the invalidation of credit cards during the epidemic?
For those hospitalized or isolated people with new pneumonia, those who need isolated observers for epidemic prevention and control, those who have temporarily lost their livelihood due to the epidemic, financial institutions should appropriately tilt their credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgage and credit card, and reasonably postpone the repayment period.
Notice on Further Strengthening Financial Support to Prevent and Control novel coronavirus
First, maintain a reasonable and sufficient liquidity and increase monetary and credit support.
(4) improving financial services in the social and people's livelihood areas affected by the epidemic. For those hospitalized or isolated people with new pneumonia, those who need isolated observers for epidemic prevention and control, those who have temporarily lost their livelihood due to the epidemic, financial institutions should appropriately tilt their credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgage and credit card, and reasonably postpone the repayment period. Personal business guarantee loans infected with new pneumonia can be extended for one year and continue to enjoy financial discount support. Financial institutions should give priority to customers infected with new pneumonia or damaged by the epidemic, appropriately expand the scope of responsibility and make full compensation.
Popular credit card deferred repayment policy
Due to the epidemic, this year's credit card can be postponed. Because the loan guarantee for new pneumonia patients can be extended for one year, and financial institutions should give priority to customers affected by new pneumonia or epidemic situation. For those who are hospitalized or isolated in COVID-19, those who need to be isolated due to epidemic prevention and control, those who participate in epidemic prevention and control, and those who temporarily lose their sources of income due to the epidemic, financial institutions should appropriately tilt the credit policy and reasonably delay the repayment period. It should be decided according to actual conditions. Only when the credit card cannot be repaid on time due to novel coronavirus, can it be handled in accordance with the provisions in the third point of the Notice of the Central Bank and the China Banking Regulatory Commission on Strengthening Bank Insurance Financial Services to Prevent and Control Pneumonia in novel coronavirus. The third point stipulates that for those who have temporarily lost their livelihood due to the epidemic, the credit policy should be appropriately tilted, and personal credit repayment arrangements such as housing mortgage and credit card should be flexibly adjusted, and the repayment period should be reasonably postponed. (Simply put, during the novel coronavirus epidemic, all banks will give a certain amount of deferred repayment. Therefore, due to the epidemic situation, I can't go to work on time and repay my new card, so I don't have to worry too much about all banks delaying repayment.
If it is not because novel coronavirus's work is unpredictable, I suggest that you can choose the minimum repayment amount or installment repayment for your future work and personal credit information without increasing the stain (overdue records), which will not only reduce the repayment amount, but also have no impact on personal credit information (it is normal to prepare for the minimum repayment amount or installment repayment before the repayment date). In addition, in addition to banking institutions, many licensed consumer financial institutions have also invested in epidemic prevention and control. Beijing business today noticed today that up to now, many institutions including Gitzo Consumer Finance, Instant Consumer Finance, China Post Consumer Finance, Haier Consumer Finance, Jincheng Consumer Finance, Huarong Consumer Finance, Hubei Consumer Finance, etc. have provided users with comprehensive measures such as interest expense reduction and deferred repayment, thus alleviating the difficulties in extraordinary times.
What about pneumonia? Let's not talk about the introduction of credit cards.