1. How to write a personal statement about an overdue credit card

I, xxx (ID card), apply for a loan (loan amount) xx) from the bank during this process , I found that there was an overdue record in the credit report, and I would like to provide the following explanation to your bank:

Because I forgot the repayment date and did not repay on time, I paid off the debt immediately after discovering that it was overdue. Overdraft is not a malicious overdraft. I hope your bank will understand.

Now, I deeply realize that this kind of overdue behavior has serious consequences for personal credit. I promise to repay in full and in a timely manner when applying for a loan from your bank, and I am willing to bear all the consequences of failure to repay in time.

2. What should I do if I have no money on my credit card?

1. Apply for interest exemption: Don’t worry too much if you have no money on your credit card. Although the penalty interest after overdue is very high, you can wait for the money to be paid off at once, and you can apply to the bank for interest exemption.

2. Apply for personalized installment payment: Cardholders with a fixed source of income can apply to the bank for a personalized installment repayment plan, up to 60 installments, to temporarily relieve the cardholder's current financial pressure.

3. Maintain communication with the bank: the cardholder is in financial difficulty. He can take the initiative to communicate with the bank, show his difficulties, and tell himself that he will pay back the money. He can ask the bank for more grace days for repayment, and then work hard to make money and strive to repay as soon as possible.

3. What should I do if my credit card is overdue?

1. Overdue when using the credit card: The cardholder's credit card is still in normal status and only receives a phone message from the bank. At this time, the cardholder should repay the loan immediately, and then proactively communicate with the bank for explanation immediately after the repayment.

2. The overdue time does not exceed 3 months: the cardholder’s credit card is overdue for no more than 3 months. At this time, the credit card is not frozen, and the cardholder also needs to repay immediately, and then continue to use the credit card and maintain Good repayment habits, cover bad credit records with new credit records,

3. Overdue time is more than three months: If the cardholder’s credit card is overdue for more than three months, the credit card is basically frozen. At this time, if the cardholder does not answer the phone or runs away, the bank may easily judge the card as maliciously overdue.

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