Issue a poverty certificate, ordinary urban residents can go to the neighborhood Committee where the household registration is located, and rural residents can go to the village Committee. You can refer to the following formats. Poverty proves that our community (village committee) has children of residents (villagers) studying in schools, with a large family population and a large labor force. The annual per capita income of the family is RMB, which belongs to local poor households. This is to certify that the poverty certificate issued by the village (neighborhood) people (villagers) committee shall be "stamped" and then taken to the township or district civil affairs office for review and official seal.

legal ground

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. The contents of personalized installment repayment agreement shall at least include:

(a) the balance, structure and currency of the arrears;

(2) the repayment period, method, currency, date and repayment amount of each installment;

(three) whether to charge annual fees, interest and other fees during the repayment period;

(4) The cardholder shall not apply for a credit card from any bank before all the funds related to the personalized installment repayment agreement are settled;

(five) the rights and obligations of both parties and the liability for breach of contract;

(6) Other matters related to repayment. If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing service institution shall stop the collection of the cardholder, except that the cardholder fails to perform the installment repayment agreement. If an oral repayment agreement is reached, the issuing bank must keep the recorded data. Records shall be kept at least until the date of settlement of arrears.