You have proof of poverty and your credit will be recorded. After that, I want to borrow money to buy a house. The banking system will show that you are a poor household, and then you have to issue a poverty certificate.
Because of the epidemic, business failure and unstable income, all credit cards are overdue. I recently found a stable job and negotiated repayment with the credit card center. At first, the credit card center said that it would not stop the installment business, and it has been shirking to pay back the full amount. It's been dragging on ever since. Last week, a third party called the credit card center. At first, I said I couldn't, and later I said I wanted to issue a poverty certificate. Poverty proof I asked about the needs of street five-guarantee households or some conditions of my severe disability. I personally don't meet the requirements, so this street is not open at all. I called the credit card center again, but it still didn't work. Finally, call the bank insurance supervisor to complain. Later, the bank called me to agree to the installment. I just need to call the credit report to check the liabilities and provide proof of income.
This is just a collection routine, and this proof is not open to anyone.
Of course it's legal. Credit cards allow you to prove poverty or difficulties. In fact, they just want to make sure that you are solvent. This certificate is of little use and difficult to open, and the street or village Committee has to go home to understand the basic situation and other procedures.
It took me almost a day to go to the village Committee to get a certificate in September this year! The village cadres went home to learn about their family situation, confirmed with their parents the causes of my difficulties, and issued relevant certificates to help me open a certificate of difficulties.
The reason why it is useless is because I went to the credit card center to negotiate repayment. The credit card center asked me to issue a certificate of difficulty or poverty, a certificate of major illness, a certificate of multi-line arrears, and a certificate of income. As a result, the bank still insisted on giving me only 36 periods! It's better to divide it into 60 installments and others will not send anything.
In fact, I know how to negotiate 60 issues, but I just feel that even if it is divided into 60 issues, I can't afford it. I can only let it continue to be overdue, and issuing these certificates is just a rainy day.
There's one more thing I need to change your mind. Don't immediately think about whether others are legal or not. First of all, it is your own fault. It is true that some financial institutions are not compliant, but that is only a small part. As long as other people's interest rates are in compliance and there is no violent collection, no matter from which angle, it is your fault.
Why is it illegal?
The bank asked you to open a certificate in order to ask them to write off the liquidated damages and interest for you, or to delay repayment (in fact, delaying repayment means exempting the interest liquidated damages after delaying repayment) to find a legal basis. If you don't want to cooperate, the bank staff won't help you declare, it's as simple as that.
Banks are enterprises, and enterprises must pursue profits. Because of the special reasons of the epidemic, grass-roots banks are not good at forced collection, but for customers, there is always a basis for reducing interest penalty or delaying repayment.
If you don't go to the neighborhood Committee and the community to issue an epidemic certificate, why can the bank staff help you apply? Responsible for you?
If you want to know whether it is legal for the bank credit card center to ask you to issue a poverty certificate, you must first understand why the bank wants you to issue this poverty certificate.
Nowadays, it is very common to use bank cards. However, among many credit card users, not all of them can repay on time, and some of them are unrestrained in consumption, which may eventually lead to the inability to repay after the bill expires. In this context, banks will definitely charge.
Especially at the beginning of 2020, affected by the novel coronavirus epidemic, some enterprises were shut down, and many people could only stay at home, unable to go to work normally, and their income was also affected to some extent. In this special context, the regulatory authorities also issued relevant policies at that time, requiring banks to give certain grace policies to borrowers, such as delaying repayment, and borrowers who are really unable to repay can repay by installments.
However, major banks will take different measures according to the actual situation when implementing policies. For example, for users in non-epidemic areas, banks still hope that everyone can repay normally. If everyone can't repay normally, there may be a penalty interest, which will affect their credit history, unless everyone is really unable to repay their credit cards.
According to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, under special circumstances, if it is confirmed that the amount owed by the credit card exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years.
Then how to prove that the cardholder has no repayment ability? At this time, the credit card center will ask everyone to provide various supporting documents. As for what these documents are, different banks have different requirements, but usually effective documents mainly include the following categories.
1, unemployment certificate, unemployment certificate issued by the local labor department (such as unemployment registration certificate);
2. Poverty certificate, valid poverty certificate issued by the neighborhood committee or village committee where the cardholder's household registration is located;
3. Certificate of major illness. If the cardholder needs a lot of consumption due to a major illness, he can issue medical documents or relevant hospital certificates;
4. Proof of special circumstances. The special circumstances mentioned here mainly refer to the serious loss of the cardholder's property due to some irresistible factors, such as earthquakes, typhoons and mudslides. These certificates can also be issued by local authorities.
It is illegal for banks to ask for the above certificates, because there are no relevant regulations in China at present, and what information you must provide for bank credit card negotiation, so when banks implement them, the regulations of each bank are different.
But what is certain is that it is at least not illegal for banks to ask for poverty certificates and other related documents.
If you can provide these valid certificates, the bank may negotiate with you for repayment, but the longest repayment period cannot exceed five years, and most banks generally do not exceed three years.
Of course, there will be some differences in the details of the above certificates required by different banks. For example, some banks are very picky about poverty certificates, and even need you to provide disability certificates or certificates of five-guarantee households and low-guarantee households. This certificate is impossible for ordinary people to open, so the bank will not repay you in installments.
But from the user's point of view, if the bank asks you to provide proof of poverty, it means that the bank is still willing to negotiate with you for repayment. If the bank refuses to provide you with anything, it will directly refuse to repay you in installments. Is this a good thing for you?
If the bank doesn't agree to your repayment in installments, you may face greater repayment pressure. If it is overdue, you will face penalty interest and liquidated damages, which will also affect your credit history.
Therefore, if you can take the initiative to provide the overdue loan without proof of repayment ability, you can reduce your repayment pressure and avoid affecting your credit history.
The key is who gets out of the way and for what? If you use a bank to prove that you have the willingness to repay, but you are unable to repay, you can solve the personal credit problem by stopping interest and hanging accounts, or you have to open it.
Hello! I don't think it's necessary to open this thing. Just say it.
It is also legal to issue a poverty certificate. This thing proves that you can't repay the loan at the first time, it's just a temporary buffer.
The bank will also give you a corresponding reduction in repayment, or just give you the principal.
Personally, I think it is better to find a job, have a stable income, and pay it back slowly or save a card. Only in this way can things be solved.
I usually receive a lot of collection calls and text messages, so I can ignore them. If I worry about it all day, I really can't go to work.
I'm afraid I can't even live. These things can be avoided. If you can't avoid them, you have to face them and don't panic. If someone comes to you, you must face them.
I have some experience in this field, so I will share my experience with you. I hope it works for you.
No, generally, those who get out of the way with this certificate are from the company. When you answer the phone, you will ask if you are a bank employee. If they had to answer yes or no, they wouldn't call!