First, is the explanation of credit card overdue useful?

The explanation of credit card overdue is still useful.

explain our overdue situation to the bank, mainly to prove that we are not maliciously in arrears; When the cardholder is faced with great life pressure or sudden family situation, it is possible to explain the situation first and negotiate amicably. After all, the ultimate goal of the bank is only to let you pay back the money, which is good for both parties.

It should be noted that even if we explain the overdue situation to the bank, it doesn't mean that we can pay less or even not. We still need to give Yinka a repayment plan and complete the subsequent repayment in time, so as not to bring great adverse effects.

II. Explanation of overdue credit card How to write

Explanation of overdue credit card can refer to the following template:

To xx Bank (credit card issuing bank):

In the process of applying for xx loan from your bank, I (name+ID number) found that my personal credit record was overdue, so I would like to make the following explanation to your bank:

I hold a credit card because.

when I learned that my credit card was overdue, I made the repayment immediately (if I can't repay it, I can put forward a repayment plan and ask the bank if it agrees).

the main idea behind it is to apologize to him and promise that he will repay the loan on time and will not be overdue again.

finally, the signature of the interpreter and the time.

third, do you need to write the credit card overdue statement?

There is no strict restriction on whether the credit card overdue statement needs to be written. You can choose to write it or print it according to your actual situation.

Different banks have different requirements on the explanation of overdue credit cards. It is suggested to contact the bank at the first time to explain the actual situation, and then ask the staff whether it is necessary to prepare a written explanation of overdue credit cards. If there is a demand, according to the requirements of the staff, complete the writing of relevant written instructions.

The above is the description of how to write the overdue credit card. It is necessary to explain the situation to the bank in time after the credit card is overdue. As for the specific overdue situation, what are the requirements, or should be based on the actual requirements of the credit card issuing bank.

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