The application for deferred repayment shall include the following contents: 1, and the basic information of the applicant, i.e. name, ID number, etc. ; 2, indicate the reasons for the application, the date of repayment after the extension and other matters; 3. Clearly stipulate the liability for breach of contract and the dispute settlement method, and sign it by the applicant.
legal ground
Article 470 of the Civil Code stipulates that the contents of a contract shall be agreed by the parties, and generally includes the following clauses: (1) the name and domicile of the parties; (2) Subject matter; (3) quantity; (4) quality; (5) Price or remuneration; (6) Time limit, place and method of performance; (7) Liability for breach of contract; (8) Methods for resolving disputes. The parties may conclude a contract by referring to the model texts of various contracts.
How to apply for extension of repayment period by credit card?
Credit cards can postpone repayment. If the cardholder cannot repay the loan before the final repayment date due to special reasons, he may apply to the bank for deferred repayment. Usually, credit card deferred repayment can only be postponed for 2 to 3 days at most.
However, not all applications for deferred repayment will be approved, and the bank will decide the application result according to the reasons provided by the cardholder and the daily use of the card.
Repayment method
In the issuing bank, this method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
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Transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
Common online platforms for online repayment in China include UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Choose different platforms and banks, and the charging standards and specific arrival time are different.
Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.
Counter repayment refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the host system of UnionPay Trading Center.
Xinfutong Repayment "Xinfutong" smart credit card phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center and supported by the financial services provided by China UnionPay's inter-bank information exchange network.
Repayment Pass uses "Repayment Pass" for repayment, and generally charges fees according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.
In addition to the above methods, the issuing bank has also opened its own repayment methods in order to facilitate the cardholder's repayment.
How to deal with deferred repayment?
If users want to apply for credit card deferred repayment, it is better to apply before the deadline and then after the deadline, which will increase the difficulty.
First of all, you need to explain why you need to postpone repayment, such as being unemployed and unable to repay, being diagnosed with a major illness, etc. Then submit the relevant certificates to the bank, and the bank will generally agree to the request for deferred repayment after regular review.
After the deadline, it will be difficult to apply for deferred repayment. The bank will not agree to an extension unless it is urgent.
Credit card deferred repayment needs to apply to credit card customer service. You can call the credit card customer service number, transfer to manual customer service according to the voice prompt, and explain the reason for the delay in repayment to the manual customer service. Then the manual customer service will apply for delayed repayment for the user. After the application is approved, a new repayment bill will be generated, and the cardholder only needs to repay according to the new repayment method.
It should be noted that when applying for credit card deferred repayment, 100% was not approved. Banks will generally investigate cardholders and evaluate the reasons for the application. Only when the deferred repayment is satisfied will the bank agree to postpone the repayment.
At present, most banks will send text messages to remind cardholders on the first day of overdue credit cards. Generally, banks will give them a two-day grace period. As long as they repay within 2 days, they can be regarded as timely repayment. At this time, it is better for cardholders to use safer repayment methods, such as counters or peer ATM machines, to ensure real-time payment and avoid the occurrence of overdue repayment of credit cards again.
For cardholders who transfer money through inter-bank online banking, it is necessary to fully consider the time that may be required for inter-bank transfer. For example, if the inter-bank transfer takes more than 2 working days, it is still recommended to use real-time payment. If the cardholder can only transfer money from other places through online banking, he should first call the credit card center to explain the situation, and then send a screenshot of the inter-bank transfer on the same day to the center.
At present, most banks in China use the method of full interest, and the cardholder has to pay interest on the repayment part, that is, as long as one point is not repaid, the current repayment will pay interest in full. The interest rate of balance interest is calculated based on the remaining part after partial repayment, so that even if the credit card is overdue, it can reduce its own losses.
When using intermediary websites for repayment, you must choose a regular website and carefully check the billing information to ensure the authenticity of each consumption. It should be noted that when using the third-party intermediary website for repayment, you must pay attention to whether the account date is within the repayment period, otherwise it will easily cause losses.
The credit card repayment date can be postponed for a few days. What should I do?
The credit card repayment date can be postponed for a few days. What should I do?
At present, almost everyone has one or two credit cards. Everyone is used to paying by credit card when spending, and everyone knows that they should pay back on time after using credit card.
However, there are always some users who fail to return their credit cards on time because of carelessness or lack of money. Then, can the credit card be delayed for a few days when it reaches the repayment date?
Users who use credit cards must keep in mind the repayment date of credit cards. The so-called repayment date is the last date when the cardholder needs to repay the credit card debt.
Under normal circumstances, the cardholder needs to repay within the repayment period stipulated by the bank, otherwise it may be overdue. If it is overdue, it will not only face penalty interest, but also personal credit information will be affected.
However, for those users who accidentally overdue for one or two days, they still have the opportunity to resume credit investigation after missing the credit card repayment, because the bank provides "time-tolerant service" for cardholders at the request of China Bank Card Industry Self-discipline Convention.
The so-called timeliness service refers to the grace period for credit card repayment. At present, most domestic banks provide cardholders with a repayment grace period of about 1-3 days. As long as the cardholder pays off the debt within the grace period, the bank will regard it as the user's repayment on time.
Different banks have different grace periods for repayment. For example, China Bank, Shanghai Pudong Development Bank, China Merchants Bank, China Guangfa Bank, China CITIC Bank and Minsheng Bank all have a three-day grace period for repayment, which means that the credit cards of these banks can be extended for up to three days.
CCB has a long grace period, which can be automatically extended by five days, while ABC has a grace period of only two days. ICBC cardholders should note that ICBC does not provide grace period service at present. If you are a cardholder of ICBC, you must repay within the specified repayment date, otherwise it will be overdue.
Different banks have different regulations on grace period. Some banks automatically extend the grace period, and some banks require cardholders to apply voluntarily.
For example, if the credit card users of Shanghai Pudong Development Bank want to postpone repayment, they can call the customer service hotline of Shanghai Pudong Development Bank to apply, or they can pay attention to the official WeChat account of "Shanghai Pudong Development Bank Credit Card" and find the "adjustment amount". Modify the "-"at the end of "Micro Service" to apply for deferred repayment, and then apply for an extension according to the system prompt.
How to apply for deferred repayment by credit card?
Generally speaking, credit cards can automatically postpone repayment without special application. According to the China Convention on Self-discipline of Bank Card Industry, banks should provide "time tolerance service" and "tolerance service" to credit card users. As long as the repayment is completed within the repayment grace period, personal credit will not be affected.
After the credit card is completely overdue, when the overdue amount is large, for example, the amount exceeds 50,000 yuan, which is deemed as malicious overdue by the bank, the bank can initiate criminal proceedings. Once sentenced to prison, it will affect the current job. Or keep the credit card overdue record in the credit information. When users are looking for jobs, some companies need to check personal credit information. When the user's credit investigation is found to be poor, the user's job application will be rejected. Therefore, the overall overdue credit card has an impact on work. In order to avoid affecting daily life, users should repay as soon as possible.
1. Credit card overdue for more than 3 months will be considered as malicious overdraft, and bank cardholders will go to jail if they need to bear criminal responsibility. Article 6 of the Supreme People's Procuratorate's Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management stipulates that if a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession and fails to return it for more than three months after repeated reminders from the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law. Malicious overdraft, the amount of which is more than 6,543.8+0,000 yuan but less than 6,543.8+0,000 yuan, shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 654.38+10,000 yuan and less than 1 10,000 yuan, it shall be deemed as "huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 6,543.8+0,000 yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.
Second, negotiate to stop installment payment: the technical term is stop payment, which does not mean that interest is suspended there, and interest-free accounts also need to be repaid every month. According to 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 repayment amount exceeds the cardholder's repayment ability and he is willing to repay, he can negotiate with the issuing bank on an equal footing and reach a personalized repayment installment agreement with a maximum period of five years.
So much for the introduction of credit card extension.