Here is a guide on how to write a credit card overdue statement

Card holders will inevitably encounter overdue credit cards. Minor non-malicious overdue situations are not terrible. Let’s teach you how to write a credit card overdue statement. Instructions, this remedy is likely to save you a bad record.

To a certain bank:

I, Li Si (ID number: 4201063220), am applying for a commercial housing loan (loan amount 400,000 - 20 years - equal principal and interest) from a certain bank , I found that there is an overdue record in my personal credit report, and I would like to provide the following explanation to your bank:

I hold an ordinary credit card from your bank. Due to my work transfer, I changed my mobile phone number. I could receive interest repayment reminders from the bank, and I didn’t know much about the relevant credit card regulations, resulting in my failure to make timely monthly repayments. It wasn't until I went to the bank to apply for a mortgage that I was informed of the overdue situation.

As soon as I received the overdue notice, I immediately repaid the previous overdue debt together with the principal. I feel very regretful that the repayment was overdue due to personal negligence, but I really did not default maliciously. I hope you can forgive me.

I promise to be strictly trustworthy in later loans, repay on time, and strictly follow your bank's loan repayment plan. I promise that there will be no overdue repayment. If there is any reason for failure to repay on time, I am willing to bear All consequences of full repayment.

Explainer: Li Si

Date: A certain day of a certain year and a certain month

Every card friend knows how to write a description of the overdue status of a credit card, right? The template is for reference only. If you need to write something, you can explain it based on your actual situation. After a credit card overdue statement is successfully issued, the overdue credit will not be affected. If you have ever had an overdue credit card and want to apply for a loan, you might as well try this method. Introduction

How to write a description of the reasons for loan overdue?

There is no fixed format for overdue loan explanations. Just explain the situation and previous borrowings and overdue loan repayments. The reference format is as follows:

I (), have been in ( A loan with an amount of () was processed at () bank on () day () year), with a term of (). Due to ()'s failure to repay on time, it was overdue for () days, and then it was overdue on () month () day () year () month () day. Pay off all outstanding debts and interest. Through this loan, our company understands the importance of credit history and knows that the impact on our credit cannot be made up. I guarantee that the next loan will be paid off on time and a good credit record will be maintained.

Yours sincerely!

Borrower:

Year Month Day

The reason for overdue may be that the job has changed, resulting in a reduction in income and the inability to repay the loan ; Family members or borrowers die or disappear, and there is no repayer; the developer delays the delivery of the house, delays in applying for the property ownership certificate, or the purchased house has serious quality problems, and the home buyer refuses to repay the loan as a defense; some borrowers have poor legal awareness , deliberately defaulting on the loan; due to work reasons, being out of town for many years and being unable to repay the loan in time, etc.

Provide several methods to prevent overdue repayment.

1. Read the contract carefully.

When we sign a contract, we must read it carefully. First, we must read the repayment date clearly as soon as possible. We must remember the date of repayment. Secondly, we must also read the fine information clearly and understand it properly. , only by knowing these in your mind can you effectively avoid overdue items. Make repayments on time.

2. Link your frequently used bank cards for repayment.

Most people forget to repay rather than being unable to repay, so they can choose to link their bank cards and let the system automatically deduct the money. At the same time, they can choose to pay in advance on the repayment date. Fill in 2-3 to avoid overdue transfers.

3. Apply to the bank to extend the loan time.

If you happen to have a problem with your time, it is recommended that you contact the bank to explain your situation and whether you can apply for long-term repayment, so that you can avoid high penalty interest.

4. Try to have the bank send you text messages to remind you of repayment.

5. Choose a financial services company with a strong sense of responsibility to help you apply for a loan, so that your financial advisor will help you remember the repayment date and remind you to make repayments.

How to issue a loan overdue certificate and share the non-malicious overdue certificate template

Many friends have stained their credit records because they accidentally overdue one or two times, making it difficult to get a loan in the future. . But there is a remedy, which is to find the institution where you loaned money, explain that you are not maliciously overdue, and issue a non-malicious overdue certificate. So how to issue a loan overdue certificate? Let me tell you about it below.

For the question of how to issue a loan overdue certificate, first let me tell you about the loan overdue certificate template. The general loan institution’s overdue certificate format is as follows:

This is to certify that the customer’s _________ ID card The loan account No._______ with a loan amount of _______ yuan was processed at _______ Bank of China on _______ month _______ of _______ year _______________ due to __________ causing the overdue amount of the account to be _______ _This overdue overdraft of RMB is a non-malicious overdraft. It is hereby explained!

Through this loan, the lender understands the importance of credit record and knows that the credit impact caused by itself cannot be made up. It guarantees that the next loan will be paid off on time and a good credit record will be maintained.

The lender will issue a certificate in the above format and it will take effect after it is signed and stamped by the lending institution. Only the lender can explain the matter clearly to the lending institution and obtain a non-malicious overdue certificate.

However, most lending institutions, especially banks, are unwilling to issue a non-malicious overdue certificate. Banks will not issue this kind of certificate casually. It is really difficult to issue a non-malicious overdue certificate. You can issue a non-malicious overdue certificate. Or similar proof. You can even ask an acquaintance to contact the internal personnel of the lending institution. If you find the right person to prove it, it will be easier to get started.

In addition, when the loan is overdue and the lender has no responsibility, the lending institution is obliged to issue a certificate of non-malicious overdue payment, and the lender can file a lawsuit and require the lending institution to issue a certificate.

The above is an introduction to how to issue a loan overdue certificate. I hope it can help everyone.

What does the overdue personal mobile banking loan of Bank of China mean?

Introduction to Bank of China Personal Mobile Banking Loan Overdue:

Loan overdue usually means that after the loan expires, the borrower fails to apply for the relevant extension or re-loan. The loan contract stipulates that the loan principal and interest will be returned to the bank that issued the loan within a time limit, resulting in a phenomenon where the loan exceeds the agreed period.

Warm reminder:

1. In the overdue information query, you can only query the overdue information of this loan account, but not the repaid information;

2. The accumulated overdue interest includes penalty interest.

The above content is for your reference, please refer to actual business regulations.

How to write a bank overdue statement

Overdue statement

I, xx (ID card-xxxxxxxx), applied for a loan from xx bank (loan amount 600,000-30 years - During the process of equalizing principal and interest, I found that there were overdue records in the credit report. I would like to provide the following explanation to your office.

Due to xxxxx reasons, I failed to repay the loan in time. This overdue payment is not a malicious overdraft behavior. I hope that the relevant parties can understand.

Now I have deeply realized the serious impact of such behavior on my personal credit. I promise to repay the loan in full and on time with xx Bank, and I am willing to bear the responsibility for failure to pay the loan in full and on time. All consequences of repayment.

: 1. Overdue refers to the situation in which the final repayment period stipulated by the bank is exceeded and the consumption amount is not deposited in the designated account in time and in full. Once overdue, overdue interest will accrue, and overdue interest will be charged again. Including late payment fees and daily interest. Legal basis: "Regulations of the Supreme People's Court on Several Issues Concerning People's Implementation of Work (Trial)" 97. If the person subject to execution or the legal representative or person-in-charge of the person subject to execution who must appear before the people for questioning refuses to appear without justifiable reasons after being summoned twice, the people may arbitrarily summon him.

2. Overdue repayment refers to the situation of exceeding the final repayment period stipulated by the bank and failing to deposit the consumed amount into the designated account in time and in full. Generally speaking, each bank will charge a certain amount of interest for overdue repayment, and currently each bank is different, usually an interest of 0.05%. However, the interest accrual date is calculated from the date of consumption, not the date after the final repayment date.

It should be noted that an overdue credit card will not only have to pay interest, but will also affect your credit record. It will be recorded in the credit reference center, which will have a negative impact on future card applications or loans. Therefore, be sure to remember the repayment date clearly and make timely repayments.

3. If the credit card debt is not paid overdue, the credit card center of the issuing bank will collect the debt. Due to ignorance and blind arrogance, some people not only refuse to repay the loan, but also "escape" by changing their address, mobile phone and other contact information so that the bank cannot contact them, thinking that the bank can't do anything to them. In fact, this approach is very wrong and absolutely undesirable. When you apply for a credit card, your real-name information has been recorded by the bank. Once you "run away", the bank will determine that you have malicious overdrafts and arrears, and will call the police, who will list you as a wanted criminal.

This concludes the introduction to bank loan overdue instructions and bank loan overdue explanation templates. Have you found the information you need?