Credit card overdue instructions mainly explain the reasons for overdue, and promise that there will be no overdue behavior in the future. The content must be true and sincere, and express your determination to repay on time in the future. If there is malicious overdue, such instructions are of little use.
Personal information about overdue credit cards
To a bank:
I, Li Si (ID number: 420 1063220), found that there were overdue records in my personal credit report when I applied for a commercial mortgage (loan amount: 400,000 -20 years-equal principal and interest) from a bank, and I hereby explain to your bank as follows:
I hold an ordinary credit card of your bank, but I changed my mobile phone number because of my job transfer, and I failed to receive a reminder of interest repayment from the bank. In addition, I don't know much about the relevant regulations of credit cards, which leads to my inability to repay the loan on time. It was not until I went to the bank to handle the mortgage business that I was told that there was an overdue situation.
As soon as I received the overdue notice, I immediately repaid the previous overdue arrears together with the principal. I am very sorry for the overdue repayment caused by personal negligence, but I really didn't violate the contract maliciously. Please forgive me.
I promise to strictly keep my promise in future loans, repay on time and strictly follow your loan repayment plan. I promise that there will be no overdue repayment, and if I am willing, I will bear all the consequences caused by my failure to repay in full and on time.
Narrator: Li Si
Date: year and month
Credit card overdue instructions mainly explain the reasons for overdue, and promise that there will be no overdue behavior in the future. The content must be true and sincere, and express your determination to repay on time in the future. If there is malicious overdue, such instructions are of little use. The above models are for reference only. If you need to write, you can elaborate according to your actual situation. After the credit card overdue statement is successfully issued, the overdue will not affect the credit granting.
The situation in loans overdue shows how to write a good method to remedy personal credit.
Loans overdue is terrible, and everyone knows the consequences. However, after loans overdue, there was a remedial measure, that is, the loans overdue Statement was issued, so long as the lending institution signed it, it could preserve its credit information.
1. Under what circumstances can I make the loans overdue Declaration?
Not all cases in loans overdue can produce overdue certificates, and lending institutions will not forgive all loans overdue behaviors. Only under some special circumstances can a non-malicious overdue certificate be issued. Malicious expired certificates can be issued as follows:
1. The business is handled by a third party, but the third party fails to repay the loan on time as agreed in the contract, resulting in overdue.
2. The real lender fails to repay the loan on time, which leads to overdue.
3. The unit failed to pay the provident fund in time, resulting in the failure to deduct the personal provident fund loan in time, resulting in overdue.
4. If it is overdue due to the change of the borrower, the repayment date notified shall prevail.
5. There is no annual fee due to overdue or inactive credit cards.
Second, how to break the ice in loans overdue.
First of all, the applicant should find his own lending institution in loans overdue, and submit an explanation to loans overdue, stating that loans overdue is overdue in bad faith and hopes to be forgiven.
Loans overdue case description template is as follows:
I (), with ID number (), applied for a loan () at the bank () on () for a term of (). Because () didn't repay the loan on time, I was () days overdue, and then I paid off all the arrears and interest at (). Through this loan, I understand the importance of credit record, and I know that my reputation influence is irreparable. I promise to pay off the loan on time next time and keep a good credit record.
Hereby!
Borrower:
Date, year and month
The case of loans overdue shows that only the seal of the lending institution can take effect, and the one issued by the individual is invalid.
Reminder: loans overdue can also issue a non-malicious overdue certificate, but it is understood that most lending institutions are unwilling to issue a "non-malicious overdue certificate" and generally only provide a "debt-free certificate" or a description of loans overdue. Therefore, friends who want to open a certificate should know the situation of the lending institution in advance and can solve it through arbitration if necessary.
How to write overdue bank statements?
Explanation of overdue situation
In the process of applying for a loan from xx Bank (loan amount 600,000 -30 years-equal principal and interest), I found that there were overdue records in the credit report, and I hereby explain to you as follows.
Because of xxxxx, I didn't pay back the money in time. This overdue is not a malicious overdraft. I hope to get the understanding of relevant parties.
Now I have deeply realized the serious impact of such behavior on my personal credit. I promise to repay the loan in xx Bank in full and on time, and I am willing to bear all the consequences caused by the failure to repay in full and on time.
: 1. overdue refers to the situation that the final repayment period stipulated by the bank is exceeded and the consumed funds are not deposited into the designated account in full and on time. Once overdue, it will generate overdue interest, including late payment fees and daily interest. Legal basis: Provisions of the Supreme People's Congress on Several Issues concerning People's Execution (for Trial Implementation) 97. If the person subjected to execution or the legal representative or person in charge of the person subjected to execution refuses to be present after being summoned twice without justifiable reasons, the people may forcibly summon him.
2. Overdue repayment refers to the situation that the final repayment period stipulated by the bank is exceeded and the consumed money is not deposited in the designated account in full and on time. Generally speaking, every bank will charge a certain amount of interest for overdue repayment, but at present, every bank is different, which is generally five ten thousandths of interest. However, the value date should be calculated from the date of consumption, not from the day after the last repayment date. It should be noted that the overdue credit card will not only pay interest, but also affect the credit record, which will have a negative impact on future card use or loans. So be sure to remember the repayment date and make timely repayment.
3. If the credit card is overdue, the credit card center of the issuing bank will collect it. Because of ignorance and blind arrogance, some people not only don't pay back the money, but also "run away" by changing their addresses and mobile phone contact information, so that banks can't contact themselves, thinking that they can't help. In fact, this practice is very wrong and absolutely unacceptable. When handling a credit card, your real name information has been recorded by the bank. Once you "run away", the bank will think that you are maliciously overdrawn and will call the police. The police will list you as a wanted man.
How to write the explanation of loans overdue's reason?
There is no fixed format for loans overdue's explanation, as long as the situation and previous loans and overdue repayments are clearly explained. The reference format is as follows:
I () applied for a () loan at the bank () on () of () for a term of (). Because () didn't repay the loan on time, I was () days overdue, and then I paid off all the arrears and interest at (). Through this loan, our company understands the importance of credit record, and also knows that its credit impact is irreparable. I promise to pay off the loan on time next time and keep a good credit record.
Hereby!
Borrower:
Date, year and month
The reason for overdue may be the change of work, which leads to the decrease of income and inability to repay; Family members or borrowers are dead or missing, and there is no repayment; If the developer delays the delivery of the house, delays the handling of the property right certificate, or there are serious quality problems in the purchased house, the purchaser will defend on the grounds of refusing to repay the loan; Some borrowers have a weak legal awareness and deliberately default on loans; Due to work reasons, I have been away from home for many years and can't repay the loan in time.
Provide several ways to prevent overdue repayment.
First, read the contract carefully.
When signing a contract, we must read it carefully. First, be sure to read the repayment date clearly at the first time and remember your repayment date. Secondly, we must read the excellent materials carefully and understand them correctly. Only by knowing the numbers in your mind can you effectively avoid overdue. Repay on schedule.
Second, make repayment by associating with your commonly used bank card.
Most people forget to repay rather than unable to repay, so they can choose to associate their own bank cards and let the system automatically deduct money. At the same time, they can fill in 2-3 days in advance of the repayment date to avoid overdue transfer.
Third, apply to the bank to extend the loan time.
If you happen to have problems with your time, I suggest you contact the bank to explain your situation and whether you can apply for long-term repayment to avoid high penalty interest.
Fourth, as far as possible, let the bank send text messages to remind repayment.
5. Choose a responsible financial service company to help you with the loan, and ask your financial advisor to help you remember the repayment date and remind you to repay.
Please see the sample for details of bank loans.
In fact, the bank statement refers to the certificate issued by the relevant lending bank to the lender after the non-malicious overdue repayment of the loan, which is used to help the lender prove that it is not intentional overdue repayment. So how is the bank loan described? Let's have a look.
Want to know what the bank loan instructions say? The specific explanation template is as follows:
Xxx personal bank loan description
Customer xxx, ID number xxxxxxxx, applied for personal loan in our bank, with the loan amount of RMB xxx (in words? Xxxx), with a term of x years and monthly repayment. Due to xxx's negligence, it failed to communicate with our bank in time, and the interest was overdue. Now that the overdue interest has been fully settled, his behavior is not a malicious breach of contract. This is to certify that.
How to write the case description of loans overdue?
Explanation of overdue mortgage
Bank:
I applied for a housing mortgage loan in your bank on, and I have been repaying it on time, strictly fulfilling my repayment obligations. However, in the last repayment, I was on a business trip in other places, which caused the monthly payment not to be repaid in time. However, after I came back from a business trip, I deposited the arrears in time, which really caused great inconvenience to your work and greatly affected my personal reputation. Considering the special situation that my arrears are not malicious and I repay them in time afterwards, I hope your bank can give me a discount to lower the loan interest rate this time.
I hereby declare that I am deeply sorry for the inconvenience caused to your bank.
If the property buyers can't repay the mortgage on time due to accidents, they can apply to the loan bank for loan extension 30 days in advance. After verification, the bank will appropriately extend the mortgage term and reduce the monthly payment.
Under normal circumstances, if you don't pay your mortgage on time, the bank will call and write to urge you to pay it back. And there will be late fees during this period, which will accumulate more and more. If you don't repay the loan, the bank will come to your house or send you a lawyer's letter, and then dispose of the house according to the relevant provisions of the contract terms, such as auction.
If the house purchased by the lender has not been mortgaged in the housing management department, the loan bank will ask the developer to assume the guarantee responsibility according to the loan contract when you have not paid back for three consecutive months or six months. After the developer repays the remaining loan for you, the developer will repossess the house or auction the house according to the guarantee law.
In this case, your economic loss is great, because the price of the house recovered or auctioned is often lower than the price when you first bought the house, and most of the loans you start to repay every month are interest, which means that you haven't paid back much principal, so the result is that after recovery or auction, you may have little left.
Therefore, if the mortgage is not repaid, banks and developers have the right to auction your house! In addition, the bigger disadvantage is that your credit in the bank will have a bad record. Once marked, it may be kept for 3 to 7 years. If you want to borrow from other banks in the future, it may be difficult to apply because of bad credit.