to XX bank:
I hereby explain the situation to your bank when I applied for a house loan from xx, due to the overdue repayment of the loan in the process of using my credit card before.
I hold an ordinary credit card of your bank, but I changed my mobile phone number because of my job transfer to other places, and I didn't receive the reminder of interest repayment from the bank. In addition, I didn't know much about the relevant regulations of credit cards, which led to my failure to repay the loan on a monthly basis in time. It was not until I went to the bank to handle the mortgage business that I was told that there was an overdue situation.
as soon as I receive the overdue notice, I will immediately repay the previous overdue arrears together with the principal. I feel very sorry for the overdue repayment due to personal negligence, but I really didn't default maliciously. Please forgive me.
I promise to strictly keep my word in the later loan, repay it on time, and strictly follow your loan repayment plan. I promise that there will be no overdue repayment.
Applicant: XXX
September 6, 216
If the bad credit record is caused by reasons other than my own, you can submit an application for objection to the credit report. The applicant holds the original and photocopy of his/her valid ID card, and submits the Application Form for Objection to Personal Credit Report to the Credit Information Management Department of the People's Bank of China. The relevant institutions will investigate and consider the objection application, and correct it if it is confirmed to be wrong and reply by letter. With the non-malicious overdue certificate issued by the bank, the loan will generally not be affected.
Important Note
Non-malicious overdue refers to repayment immediately before or after the bank's prompt, but there are still overdue records. If the bank fails to repay the payment for many times, it is a malicious overdue, and the above remedies are invalid.