How to write the poverty certificate for a credit card?
Poverty Certificate
1. The name of the borrower must appear clearly in the poverty certificate, and must be exactly the same as the name on the person’s ID card. Homophones or irregular abbreviations cannot be used instead. , there can be no typos. The name of the lender must not be altered.
2. The poverty certificate requires the official seal of the people's government of the township (town) where the family is located, or the official seal of a higher-level competent department. Among them, the valid official seals include: township (town) people's government, county civil affairs bureau, and civil affairs bureau. Urban residents can be the official seal of neighborhood committees, street offices, or communities. Note that the official seal of the village committee is invalid and the official seal of the unit is invalid. Try not to have two or more official seals on the poverty certificate.
3. The words "Family is in financial difficulty and needs to apply for a national loan" appear clearly in the poverty certificate.
4. The poverty certificate is required to be written on material paper or manuscript paper and written with a pen or water-based pen. Writing with a ballpoint pen is invalid.
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Application
In most cases, those with full capacity for civil conduct (citizens over 18 years old in mainland China) have certain direct Citizens with limited financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants.
Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.
Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.
The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.
The application form is accompanied by a contract for using the credit card. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have an application A person's autograph.
Baidu Encyclopedia - Credit Card
Baidu Encyclopedia - Poverty Certificate
How to write the Poverty Certificate in the Credit Card Center
1. First, go to the Credit Card Center The beginning of the poverty certificate indicates the bank from which the loan was borrowed, and then write this certificate on a new line.
2. Secondly, write this certificate so that your department can determine the use of the credit limit when the employee applies for a credit card. Please keep the content of the certificate confidential.
3. The final step is to stamp and sign.
How to write a poverty certificate for an overdue credit card?
It is necessary to state the status of family members and family income, the cause and extent of difficulties, etc., and it needs to be issued by your street or neighborhood committee. The following four situations are considered difficult to live in:
1. Residents who have no source of livelihood, no ability to work, and no legal caregivers or dependents;
2. Receiving unemployment insurance Residents who are still unable to re-employ during the pension period or after receiving unemployment insurance benefits, and whose per capita family income is lower than the local minimum living standard;
3. Employees and laid-off workers are receiving wages or minimum wages, basic Residents whose family per capita income is still lower than the local minimum living security standard after paying living expenses and after retirees receive pensions; 4. Other residents whose family per capita income is lower than the local minimum living security standard.
Proofs for the above four situations should be certified by the work unit if there is a work unit; urban residents without a work unit must be certified by the community neighborhood committee; rural residents reported to the sub-district office for approval must be certified by the village committee; reports to the township Government approval.
The certificate is also valid. The certificate of arrears shows the debtor’s explanation of the debt situation and is a unilateral expression of intention. As long as it is not incapacitated or the content violates the mandatory requirements of laws and regulations. stipulations are generally legally binding. But proof of debt does not necessarily mean repayment will be made. So it is best to write down the repayment date. There is a chance for credit card late payment penalties to be reduced, but the premise is that you must "sincerely intend to repay the loan and take practical actions." The specific amount of reduction will be determined according to each person's situation. Cardholders can report the problem by contacting the legal affairs department of the bank's local credit card center or calling the customer service center. After receiving the order, the customer service will place a work order for our back-end department, and the corresponding department will contact the cardholder after receiving the order.
The poverty certificate for the credit card is as follows: Bank: This is to certify that Mr. and Mrs. are regular employees of our company and have been working in our company for 2 years; their ID number is; their position is; their title; their annual income amount (RMB in capital letters); this certificate is only used by your department to determine the use of the credit limit when the employee applies for a credit card. Please keep the content of the certificate confidential. Work unit: stamped with the official seal or the seal of the human resources and labor department) year month date credit card (English: CdCd), also called credit card. It is a non-cash transaction payment method and a simple credit service. It is generally a special carrier plastic card with consumer credit that is 85.60 mm long, 53.98 mm wide, and 1 mm thick. It is issued by the bank to individuals and organizations, and can be used to shop, consume, and deposit and withdraw cash from the bank. It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front and a magnetic card on the back. strip, signature strip.
My credit card is overdue and now the bank needs me to provide proof of poverty. How should I write it?
This is to certify that ×× province ×× city ×× county (district) ×× town (township, sub-district office) ×× village (or neighborhood committee) ×× group member (citizen) ×× Comrade ××.
State the reasons for the difficulties (family population, location in remote mountainous areas, family per capita annual income, family suffering from natural disasters, family suffering from unexpected accidents, family members having weak working ability due to disability or old age) , family members’ unemployment situation, debt situation and other difficulties, etc.)
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Filling instructions:
1. Please handwrite according to the given template. Or print out the certification materials, please do not alter them and make sure the elements are complete and the handwriting is clear.
2. The information filled in is true and consistent with relevant certificates, originals and copies of certificates.
3. The certification unit is at least the neighborhood committee (administrative village committee), sub-district office or town government where the applicant’s family is located, the civil affairs department at or above the district or county level (including county level) or equivalent functional departments.
4. Please certify the unit to carefully review the applicant’s family situation and ask the person in charge to write down the contact number and sign for confirmation to ensure that the content of this certificate is consistent with the actual situation.
How to write a credit card poverty certificate
The credit card poverty certificate is as follows:
xx Bank:
This is to certify that Mr./Ms. A formal employee of our company who has been working in our company for 3 years;
His ID number is;
His job title is;
His job title is;
The annual income amount is (in RMB capital letters);
This certificate is only used by your department to determine the use of the credit limit when the employee applies for a credit card. Please keep the content of the certificate confidential.
Working unit:
(Official seal or the seal of the personnel and labor department)
Year, month and day
Credit Card (English: CreditCard), Also called a credit card. It is a non-cash transaction payment method and a simple credit service. It is generally a special carrier plastic card with consumer credit that is 85.60 mm long, 53.98 mm wide, and 1 mm thick. It is issued by the bank to individuals and organizations, and can be used to shop, consume, and deposit and withdraw cash from the bank. It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front and a magnetic card on the back. strip, signature strip.
How to write a certificate of credit card difficulty?
It is necessary to state the situation of family members and family income, the cause and degree of difficulties, etc., and it needs to be issued by the street or neighborhood committee where it is located.
In addition, the certificate is also valid. The debt certificate shows the debtor’s explanation of the debt situation and is a unilateral expression of intention. As long as it is not incapacitated or the content violates the laws and regulations, it is mandatory. Sexual regulations are generally legally binding. But proof of debt does not necessarily mean repayment will be made. So it is best to write down the repayment date.
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Note:
Because there is no money in the credit card itself, withdrawing cash with a credit card is equivalent to borrowing money from the bank, and the interest is very high. It is high and calculated on a daily basis (for specific interest calculation methods, please contact the card issuing bank). Don’t withdraw cash as a last resort.
If the credit card has a password, you need to enter the password when swiping the card for consumption. If there is no password, just sign to confirm the consumption. You may think that not setting a password is unsafe, but this is not true because the merchant is obliged to verify the signature.
Generally, every 1 yuan spent with a credit card will earn one point (different banks may differ). The points can be redeemed for gifts. You can check the website of the card-issuing bank or call the credit card center to check. Points from some banks can also be used as money, for example, 100 points can be used as one dollar.
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Baidu Encyclopedia - Credit Cards
That's it for the introduction of how to write a credit card difficulty certificate.