How to write a personal statement for a credit card?
Personal Credit Situation Explanation Template Dear XX bank staff: Since I have overdue credit card repayments during the process of applying for a loan from your bank, I would like to explain the situation to your bank. I once applied for and used a Guangfa Bank credit card in 2017 (with a limit of 19,000 yuan). Before August 2012, my credit had been very good and I had never been overdue or underpaid. However, in September 2012, I spent 100 yuan. I spent 73 yuan in October. Since I did not receive the bill in the mailbox for these two installments, I could not repay it in time and it was overdue. The total consumption in the two periods was 173 yuan; the late payment fee in each period was 20 yuan, and the retail interest in the two periods was 5.51 yuan, totaling 218.51 yuan. It was paid off immediately after receiving the bill in November 2012. Afterwards, I called the China Guangfa Bank Credit Card Center, and the staff confirmed that the bill had been sent out. It may have been because the postal staff put it in the wrong mailbox, and I had always paid my bills with paper bills in the past and had not set up any other repayment reminder methods. Paper bills have now been cancelled, and multiple reminder methods (mobile calendar, SMS, bank WeChat public account, Alipay, etc.) have been set up to prevent such overdue incidents from happening. In the subsequent loans, I will abide by my credit and repay the principal and interest strictly in accordance with your bank's loan repayment plan. If the same situation occurs again, I am willing to bear the corresponding consequences. Explained by: September 11, 2017
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My loan overdue explanation example:
Loan overdue explanation
During the process when I, Li Si (ID-1258413220), applied to the Bank of Communications for a (first/second-hand) housing provident fund loan (loan amount 600,000-30 years-equal principal and interest repayment), I found that the loan was overdue in the personal credit report For the record, I would like to make the following statement to your office regarding this matter:
I did not repay the loan in time because I made a mistake about the loan repayment time. This overdue loan is not an overdraft behavior. I hope to get understanding from the relevant parties. . (Here you can cover it up a little based on your own circumstances)
Now that I have become deeply aware of the serious impact of such a behavior on my credit report, I agree to apply at the Bank of Communications. The provident fund mortgage loan you apply for must be repaid in full and on time, and you want to bear all the negative consequences caused by the inability to repay the loan in full and on time.
Represented by: Li Si
July 2 this year
Finally speaking, once the loan is overdue, personal credit will be cast into darkness. In the future, borrowing money for cars and houses may be affected. It is recommended that friends use the card rationally and repay the loan in time to avoid overdue loans.
Example of my loan overdue explanation:
Loan overdue explanation
I, Li Si (ID-1258413220), applied to the Bank of Communications for a (first/second-hand) real estate During the process of provident fund housing loan (loan amount 600,000 - thirty years - equal principal and interest repayment), I found that there was an overdue record in my credit report. Regarding this matter, I would like to provide the following explanation to your office:
I did not repay the loan in time because I made a mistake about the loan repayment time. This overdue loan was not an overdraft of the credit card. I hope to get understanding from the relevant parties. (Here you can cover it up a little based on your own circumstances)
Now that I have become deeply aware of the serious impact of such a behavior on my credit report, I agree to apply at the Bank of Communications. The provident fund mortgage loan you apply for must be repaid in full and on time, and you want to bear all the negative consequences caused by the inability to repay the loan in full and on time.
Represented by: Li Si
July 2 this year
Finally speaking, once the loan is overdue, personal credit will be cast into darkness. In the future, borrowing money for cars and houses may be affected. It is recommended that friends use the card rationally and repay the loan in time to avoid overdue loans.
My credit card is overdue, and the bank requires me to write a statement on the repayment negotiation. How should I write it?
Answer Hello dear, thank you very much for your inquiry.
I am Xiaoyou, a special instructor on the Baidu platform. I have seen the question you asked. According to your description, I am urgently sorting out the relevant answers. It may take a little time to type, so please be patient! ___I will reply to you right away~Have you asked the question yet? Answer Hello. It can be divided into three parts, similar to writing a letter. The first part is to say hello to the bank leader, and also requires the honorific, so that the leader above can have a message. In the second part of the good impression, clearly state the reason for the overdue, such as unstable work due to the epidemic, which has led to unstable income. It is not intentional failure to repay, and the most important thing must be to express that you are willing to repay. In the third part, write that you will work hard. , when asked about the repayment plan and the final payment date, is it ok to write it like this? The answer is yes. How should I write at the beginning of the question: I have difficulties here and do I need to prove it? Answer the bank where your credit card was written, the leader of such and such bank You don’t need to prove it. You just need to express it clearly. Can you send me a template from beginning to end? Reply Dear leaders of a certain bank, hello. I (xx) used my bank’s credit card to spend xx yuan in xxx. Later, I lost my job and had no money. Any other source of income that results in the inability to repay the credit card overdraft limit. Now I am willing to borrow money from relatives and friends to repay the entire principal, but due to limited ability, I am unable to repay the entire debt. Now I sincerely request the bank leaders to consider my actual situation and exempt some of the overdue interest and late payment fees. Please approve the above! Who am I? More 21 dates_
How to write a personal statement for an overdue credit card?
To a certain bank:
In the process of applying for a commercial housing loan (loan amount 400,000-20 years-equal principal and interest) from a certain bank, I, Li Si (ID number:), I found that there is an overdue record in my personal credit report, and I would like to provide the following explanation to your bank:
I hold an ordinary credit card from your bank. Due to my job transfer, I changed my mobile phone number and was unable to I received an interest repayment reminder from the bank, and I was not familiar with the relevant credit card system regulations, which resulted in my failure to make timely monthly repayments. It wasn't until I went to the bank to apply for a mortgage that I was informed of the overdue situation.
As soon as I received the overdue notice, I immediately repaid the previous overdue debt together with the principal. I feel very regretful that the repayment was overdue due to personal negligence, but I really did not default maliciously. I hope you can forgive me.
I promise to be strictly trustworthy in later loans, repay on time, and strictly follow your bank's loan repayment plan. I promise that there will be no overdue repayment. If there is any reason for failure to repay on time, I am willing to bear All consequences of full repayment.
Explainer: Li Si
Date: A certain day of a certain month of a certain year
A statement about the overdue credit card, mainly explaining the reasons for the overdue date and making a commitment There will be no overdue behavior in the future. The content must be true and sincere, expressing your determination to repay the loan on time in the future. If there is malicious intent to overdue, such instructions are of little use.
How to write a credit card overdue statement
Example of a credit card overdue statement:
To Bank of China:
I hereby submit to your bank During the loan application process, due to the overdue repayment of student loan interest, I would like to explain the situation to your bank.
When I was studying for a master's degree, I applied for a student loan of 6,000 yuan from the Bank of China. After graduation, I went to work in other places and changed my mobile phone number. I failed to receive an interest repayment reminder from the bank. In addition, I was not satisfied with the loan. At that time, the repayment method of the national student loan was not well understood, which resulted in the failure to repay the interest on a monthly basis in time after graduation. It wasn't until I went to the bank to apply for early loan repayment that I was informed of the overdue situation. However, as soon as I received the overdue notice, I immediately repaid the previous overdue debt together with the principal. I feel very regretful that the repayment was overdue due to personal negligence, but I really did not default maliciously. I hope you can forgive me.
I promise to be strictly trustworthy in later loans, repay on time, and strictly follow your bank's loan repayment plan. I promise that there will be no overdue repayments again.
Applicant:
September 28, 2014
Has anyone written a description of the overdue status of a credit card?
1 . If the cardholder forgets to repay the card and finds that it is overdue, he must repay the card as soon as possible, preferably in full. Call the bank's credit card center and declare that the debt is not malicious. If the overdue period is short, the bank may not count the bad record.
2. When a credit card is overdue and unable to repay due to unemployment, illness, etc., before the repayment period, the cardholder should proactively contact the bank’s credit card center to explain his or her financial situation and declare that he or she does not owe money maliciously. Make a payment, apply for deferment of repayment or repayment in installments.
3. Cardholders take the initiative to apply for deferment of repayment, and banks will often agree to the extension. The bank and cardholder agree on a repayment plan acceptable to both parties. In this way, the bank will not record bad records, but you must repay on time after applying for an extension.
4. Credit card repayment information is rolled over by the central bank’s credit reporting system for 24 months. Records of credit card overdue repayments will be kept in the credit reporting system for two years. If the credit card is found to be overdue and paid off, the card will be canceled directly. It will not scroll, but will be saved for a long time. Therefore, after a cardholder has an overdue credit card, it is best not to cancel the credit card immediately. It is best to continue to use it for more than 2 years and maintain a good credit record thereafter.
How to write the reason for overdue credit card?
The reason for overdue credit card must be true. The content of the overdue credit card should mainly explain the reasons for the overdue behavior and promise that there will be no overdue behavior in the future. The content must be true and sincere, expressing one's determination to repay the loan on time in the future. The explanation for an overdue credit card is generally to prove that the credit card holder does not owe money maliciously. Especially when cardholders face financial events such as house purchase loans, the overdue credit card will affect the cardholder's loan interest rate and limit, and even determine whether the cardholder can borrow money.
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Serious consequences of overdue credit cards:
1. Overdue interest and late fees;
2. Bad credit record ;
3. The bank will collect money and may face criminal problems.
Solutions for overdue credit cards:
1. If the cardholder forgets to repay the card and discovers it is overdue, he must repay it as soon as possible, preferably in full. Call the bank's credit card center and declare that the debt is not malicious. If the overdue time is short, the bank may not count the bad records;
2. When the credit card is overdue and unable to repay due to unemployment, illness, etc., the cardholder should proactively contact the bank's credit card center before the repayment period. Explain your financial situation, declare that you do not owe money maliciously, and apply for deferred repayment or installment repayment;
3. Cardholders actively apply for deferred repayment, and banks will often agree to the extension. Banks and cardholders People agree on a mutually acceptable repayment plan. In this way, the bank will not record bad records, but you must repay on time after applying for an extension;
4. Credit card repayment information The central bank’s credit reporting system rolls for 24 months, and records of overdue credit card repayments will be included in the credit reporting It is stored in the system for two years. If you find that you have paid off the card overdue and then cancel the card directly, the information will not be rolled over, but will be saved for a long time. Therefore, after a cardholder has an overdue credit card, it is best not to cancel the credit card immediately. It is best to continue to use it for more than 2 years and maintain a good credit record thereafter.
In the process of using a credit card, repayment is a very important thing. If you forget to repay and cause it to be overdue, it will not only be a little penalty interest, but the most important thing is to record it on your credit report. Such a payment will affect future card applications and loans. However, in real life, there are many people whose credit cards are overdue, and careless mistakes account for the majority of them. If you want to negotiate with customer service and fail to get a credit report, what are the common reasons? Let's take a look.
1. Bank problems If the credit card payment fails and becomes overdue due to bank reasons, this record can be cancelled. Common banking problems include: settlement errors in the banking system, delays in bank transfer transactions, banks not issuing credit card bills, automatic repayment not being deducted when signing up, or not seeing bills due to operator problems, etc.
2. In addition to force majeure caused by oneself, there are also some external force majeure factors that cause repayment failure, which may not be recorded in the credit report, such as temporary travel abroad, damage to network equipment, interruption of communications, etc. Failure to repay on time due to force majeure.
That’s it for the introduction of how to write a credit card overdue statement.