In the era of big data, the importance of personal credit is self-evident. Bad credit records are more due to overdue credit cards. When handling loans, mortgages and other businesses, you will be asked to provide proof of non-malicious overdue. So how do I open this certificate? Let's talk about the process

The basic process is, first of all, you have to pay off all the arrears, the cardholder communicates with the customer service of the bank, and after the bank confirms it, a non-malicious overdue certificate is issued.

Non-malicious overdue certificate issued by the bank:

Non-malicious expired certificate

In view of the overdue problem of the customer (ID number:) shown in the credit report with the number XXX, we hereby declare as follows:

According to our bank's inquiry, the RMB account of the above-mentioned credit card holder is overdue because the cardholder did not contact our bank to change the mobile phone number, and the customer's credit card generates an annual fee, which leads to the overdue account. Now the cardholder has paid off the above overdue debts, which is not subjective and malicious. Our investigation shows that the situation is true.

Hereby certify!

XX bank credit card department

Customer manager

X year x month x day

For banks, only if the cardholder has evidence to prove that the bad credit record is caused by the bank will the bank issue a non-malicious overdue certificate.