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 Court on Several Issues Concerning the Enforcement of People's Courts (for Trial Implementation). 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's court may 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.