The overdue credit card statement 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 your determination to repay on time in the future. If there is malicious intent to overdue, such instructions are of little use.

Personal information on overdue credit cards

To a certain bank:

I am Li Si (ID number: 420106********3220) During the process of applying for a commercial housing loan (loan amount 400,000-20 years-equal principal and interest) from a certain bank, I found that there was an overdue record in my personal credit report. I would like to provide the following explanation to your bank:

I I hold an ordinary credit card from your bank. I was transferred to other places for work and changed my mobile phone number. I failed to receive the interest reminder from the bank. In addition, I did not know much about the relevant credit card system regulations, which resulted in my failure to repay the monthly payment on time. 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: certain month of a certain year

Credit card overdue statement should mainly explain the reasons for the overdue date and promise not to do so in the future. If there will be overdue behavior again, the content must be true and sincere, expressing your determination to repay the loan on time in the future. If there is malicious intent to overdue, such instructions are of little use. The above template is for reference only. If you need to write something, you can elaborate it based on your actual situation. After a credit card overdue statement is successfully issued, the overdue credit will not be affected.