The reasons for overdue credit cards must be true. The content of the overdue credit card should mainly explain the reasons for the overdue behavior and promise that there will be no overdue behavior in the future. The content must be true and sincere, expressing one's determination to repay the loan on time in the future.
In addition to your own reasons, there are also some external force majeure factors that cause repayment failure, which may not be recorded in the credit report, such as temporary travel abroad, damage to network equipment, communication interruption, etc. Force majeure Unable to repay on time.
The explanation for an overdue credit card is generally to prove that the credit card holder does not owe money maliciously. Especially when cardholders face financial events such as house purchase loans, the overdue credit card will affect the cardholder's loan interest rate and limit, and even determine whether the cardholder can borrow money.
The main purpose of writing down the reason for the overdue credit card is to prove that the credit card holder does not owe money maliciously. Otherwise, when the card holder faces financial events such as home loans in the future, he will often suffer from the past overdue credit card. Influence.
If the credit card repayment fails and becomes overdue due to bank reasons, this record can be revoked. Common banking problems include: settlement errors in the banking system, delays in bank transfer transactions, the bank not issuing credit card bills, automatic repayment not being deducted when signing up, or not seeing the bill due to operator issues, etc.
Under normal circumstances, a credit card cannot be used immediately after it is overdue, because the issuing bank will re-evaluate the cardholder's credit and financial ability over a period of time. After the review is passed, the credit card can continue to work normally. use.
If the cardholder encounters some special circumstances and it is not due to the cardholder’s personal will, there is still a chance to remedy the situation. After making timely repayment, the cardholder should proactively contact the bank, give the reason for the overdue payment, and wait for the bank's investigation results. Of course, the credit card cannot be used during the investigation, but it is better than malicious overdue payment.
Under normal circumstances, the bank will not directly agree to the cardholder's application. At this time, the cardholder needs to take the initiative to negotiate with the bank. There are some skills that cardholders need to master when negotiating: For example, during the negotiation process, be careful to explain clearly to the bank that you are temporarily unable to repay the loan. The purpose of doing so is to tell the bank that you are not overdue on purpose, but on your own. Something unexpected happened in my life.