It is written that financial difficulties are caused by special circumstances (such as unemployment, illness or other matters) and cannot be improved in the short term, resulting in the inability to repay the loan in full. Part of the payment can be made up by scraping together. Special application Waiver of late fees and interest. It is written by the village committee or neighborhood committee. It usually briefly describes why you are poor, certifies it, and then stamps it. After that, you take the certificate to the township civil affairs bureau and get it stamped again.

1. A credit card is a credit certificate issued by a commercial bank or credit card company to a consumer with credit qualifications. It takes the form of a card with the name, expiration date, card number and cardholder name printed on the front, and a magnetic stripe and signature strip printed on the back. Consumers with credit cards can go to specialized commercial service departments to shop or consume, and the bank will settle the bill with the merchants and cardholders. Cardholders can overdraw within the prescribed limit.

2. The relevant legal provisions of credit cards in our country (the Standing Committee of the National People’s Congress interpreted the criminal law provisions of credit cards of the People’s Republic of China) refers to those issued by electronic commercial banks or other financial institutions. Payment cards provide all or part of the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and the repayment is on the day of issuance.

3. Poverty refers to economic or spiritual poverty and embarrassment, which is called poverty. It is a phenomenon of poverty in social material life and spiritual life. Poverty is a phenomenon of poverty in social material life and spiritual life. comprehensive phenomenon.

4. Interest is the cost of using currency within a certain period of time. It refers to the remuneration received by currency holders (creditors) for lending currency or monetary capital to borrowers (debtors). Including interest on deposits, loans and various bonds. Under capitalism, the source of profit is the surplus value created by workers. The essence of interest is a special transformation form of surplus value and is a part of profit.

5. As an enterprise, the occupancy cost directly affects the economic benefit level of the enterprise. In order to reduce costs and improve efficiency, enterprises should do everything possible to reduce the amount of funds, and at the same time compare the costs of various financing methods during the financing process. If enterprises throughout society regard saving interest expenses as a common behavioral pattern, then the efficiency of economic growth will definitely be improved.

6. The People's Bank of China has decided to lower the benchmark interest rates for RMB loans and deposits of financial institutions starting from November 22, 2014. The one-year loan benchmark interest rate of financial institutions was reduced by 0.4 percentage points to 5.6%; the one-year deposit benchmark interest rate was reduced by 0.25 percentage points to 2.75%. At the same time, in conjunction with the advancement of interest rate market-oriented reforms, the upper limit of the floating range of deposit interest rates of financial institutions was changed from the deposit benchmark The interest rate will be adjusted from 1.1 times to 1.2 times; other loan and deposit benchmark interest rates will be adjusted accordingly, and the benchmark interest rate term grades will be appropriately simplified.