Mr. Wu, who lives in Wujiashan, took a fancy to a second-hand house, signed an intermediary sales contract with an intermediary, and paid a deposit of 50,000 yuan and an intermediary fee. However, when Mr. Wu applied for a bank loan, he was told that he had a credit card in his name that had not been used since it was opened. This resulted in an overdue annual fee of 40 yuan, which affected his personal credit and blocked the home purchase loan. Mr. Wu called the Changjiang Daily news hotline to ask if there was a solution.

Activation is useless, but the payment is still in arrears

In the morning, a reporter from Changjiang Daily met Mr. Wu in Wujiashan. He told reporters that because the loan was stuck, he could not buy the house he was looking forward to. He was worried that if he breached the contract, he would not only lose the 50,000 yuan deposit and intermediary fees, but also bear breach of contract losses.

Mr. Wu remembered that this was a Bank of China Great Wall Traffic Control Card. "It was requested by the traffic control department many years ago, specifically for the payment of fines. Maybe I activated this credit card, but never used it." Mr. Wu said that he didn't know that there was an overdue credit card under his name until he took out a house purchase loan. credit card.

Mr. Wu went to Citizen Home and printed out the "Personal Credit Report", which showed that there was only one credit card default record, and the overdue annual fee of 40 yuan had become a "bad debt." It was this credit card that became the "stumbling block" for Mr. Wu's house purchase loan.

It is not a malicious overdraft, nor a loan

The reporter and Mr. Wu went to the bank where he applied for the loan. The staff introduced that Mr. Wu had “bad debts” that had not been dealt with in his credit card account. According to the According to regulations, banks cannot apply for loans for them. "Even if he pays off the overdue annual fee, the record of bad debts will still remain on it. In this case, the only option is to find the bank where the credit card account was opened to see if it can help him cancel the account."

Mr. Wu told Reporter, he had visited the bank card department of Hubei Branch of Bank of China a few days ago. After the staff learned about the situation, he issued a fact sheet for him. The reporter saw that this instruction manual stated: Mr. Wu's credit report from the People's Bank of China showed that he had overdue debts. After investigation, it was found that the debt owed by the customer was due to overdue annual fees and was a non-malicious overdraft. Now paid off in full.

Now that it has been explained whether the overdraft was malicious or not, why can’t we still get a loan? Yesterday afternoon, a reporter from Changjiang Daily and Mr. Wu went to the bank card department of the Hubei Branch of the Bank of China. The staff said that in Mr. Wu’s case, it is not that the account cannot be canceled for him, but according to relevant regulations, after the account balance is cleared, the bank’s system will automatically update after collecting relevant information. According to the process, it will take 45 days for the account to be changed. The account is closed.

The staff member introduced that the Great Wall Traffic Control Card was a credit card launched in 2005 in cooperation with the Bank of China and the traffic control department. At that time, the traffic control department required all drivers to apply for a Great Wall Traffic Control Card to pay traffic violation fines. Due to insufficient publicity, the card did not play its role. The annual fee for the card was originally 60 yuan, but later the annual fee was canceled. In 2011, the head office stipulated an annual fee of 20 yuan.

“Banks generally do not issue explanations for non-malicious overdrafts, but the Great Wall Traffic Management Card is in a special situation, and later it was stipulated that such explanations can be issued to these traffic management customers.” The staff said that they would speed up the process as soon as possible. progress, and handle relevant account cancellation procedures for Mr. Wu.

"Proof of non-malicious debt" is difficult to obtain, individuals should consciously check credit records

The reporter consulted relevant people in the banking industry, and the other party said that if the credit card is not activated, there will be no Annual fee. He reminded that individuals should consciously check their credit records to avoid affecting their loan business.

The staff member said that some loan business can only be handled if a "proof of non-malicious debt" can be provided, but banks generally do not issue "certificates of non-malicious debt". As for why the "proof of non-malicious debt" cannot be provided, a banker said: "We really can't tell whether you owe money maliciously. We can't just listen to one side of the story. This is impossible to tell."

There is an overdue record on the credit card. Is there a way to eliminate the impact? In this regard, bankers told reporters that the "Credit Information Industry Management Regulations" issued in 2013 stipulated that bad records such as overdue credit cards will be automatically cleared after five years and will not affect life.

If you are indeed overdue but are in a hurry to get a loan, you can also try to consult with several banks, because each bank currently has different credit scoring standards, and it is difficult to determine whether the customer is a "bad credit customer" "The identification standards are also different.

Generally speaking, if you fail to make timely repayments for three consecutive months within two years, or if you make six overdue payments in total, you will face the risk of bank rejection of the loan.

(The above answers were published on 2016-12-30. Please refer to the actual relevant current home purchase policies)

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