In the first half of 2008, Mr. Jiang applied for a credit card in a state-owned bank in Beijing, which has been idle. On 20 10, Mr. Jiang came to a branch of the issuing bank in Shanghai and applied for another credit card. When Mr. Jiang applied for the second credit card, the bank did not tell him whether there was a problem with the credit record. Until the beginning of this year, Mr. Jiang returned to his hometown in Shandong to handle loan business in a bank, but found himself on the "black list" of credit records, because the annual fee was deducted from the credit card he handled in 2008, and by the inquiry date, he had been in arrears for nearly five years, with a total arrears of nearly 20 10/200 yuan. What puzzles Mr. Jiang is that during these five years, his contact information has never changed, but he has never received a reminder or notice from the bank about the account arrears.
bank statement
"In this case, we must follow the procedure. The depositor must pay back the money he owes before canceling this card, so there will be no more charges. The credit certificate is to let me take all the information to the local credit card issuing center. " The customer service staff of the bank told the reporter that if you apply for a credit card in Beijing, you generally need to go to the credit card center in Beijing.
The bank agreed to let his family handle it on his behalf, but up to now, although Mr. Jiang submitted the information, his credit certificate has not been completed and is still on the "blacklist" of the credit list.
It is worth noting that since the arrears record has been entered into the bank's personal credit information system, even if the credit information certificate is passed, it will not be eliminated until the central bank updates the personal credit information record. In general, it takes a year or two to eliminate records.
In view of the use of credit cards, many depositors have fallen into a trap to some extent, so remind depositors that when handling credit cards, it is best to know the rules and regulations of banks for different credit cards in advance, especially the charges, and not to blindly handle cards. Credit cards are different from debit cards. If you don't use it often after handling, you'd better cancel it in time and don't "idle" it, so as not to cause unnecessary debts and seriously affect the credit problems in lending.