Everyone knows a fact: Failure to repay loan consumption on time will cause stains on the credit record. In addition to penalty interest, it will also bring huge losses in financing costs

Then the problem arises : If a person is overdue 18 times, do you think this person can still get a loan from the bank? Teacher Xinyu, the student who answered no, tells you: Yes! As long as he finds the right professional financing planner!

What? Don’t believe it? Then let’s take a look below! There are living cases to prove it~

Gorgeous entrepreneurs will also panic when faced with a funding gap!

One of my classmates encountered an existential crisis on the way to start a business. There were problems in the company's operation. At the beginning, he also found an intermediary to raise funds, but the result was not very satisfactory.

I was a little embarrassed at first, worried that my acquaintances would know about my predicament, and I had no choice but to see my circle of friends, so I chose a Tuesday afternoon to come to me for consultation.

After the meeting and greetings, we got down to business, telling the glorious history of the company at the beginning and its future prospects. Then we talked about the current predicament and prepared to use the property under our name as a mortgage to continue the company's development. cash flow.

During the consultation, I asked about his credit report. The classmate told me that although he was overdue occasionally, it was not serious.

So I provided the most detailed credit inquiry address in Shanghai and asked him to check it by himself. The classmate said that he was short on time and busy at work, and the bank could also check credit records, so he asked me to make an appointment directly. The bank interview was enough, so I made an appointment with the bank teacher and started the interview process.

After the credit inquiry results came out, the bank teacher called me and asked me why the customer was overdue 18 times? I almost couldn't answer. (In my mind, you only told me a few times. I wanted to explain a few times, Inee! How could you give a reasonable explanation these 18 times!)

After a pause, I replied: I will ask my classmates about the specific situation, and then I will reply to you about the reason for the overdue date.

"Credit is overdue 18 times", I also don't understand why a person who is usually cautious in his work is overdue his credit 18 times?

I called my classmates to ask the reason, and they explained: I forgot to repay two of my cards while on a business trip, and I missed the repayment of some cards by dozens of yuan.

Hearing this, I could only help him increase the financing plan again.

Judging from the overdue details of the credit report, he has 10 credit cards, and two of the cards are overdue because he underpaid 30 yuan. Is he short of these 30 yuan? The answer is no shortage.

After all, we are old classmates. I made an appointment to meet with my classmates again. I personally told the classmate and his wife that they should not apply for any credit loans during the mortgage application period. They must pay off every credit card on time. There must be no more overdue payments. Credit card cannot be checked for credit.

After my repeated instructions, they all nodded and said they understood and would definitely pay attention to these details.

After the bank interview, I started to fill in the documents. During this process, I prepared a credit report for him, wrote about his advantages and determination not to overdue loan repayments, and explained the overdue story. , after some planning, the materials are complete and ready to be submitted for system review.

After the materials enter the bank's review system, the credit record will be checked again. As a result, the credit report has been checked multiple times recently, and one credit card is currently overdue. After hearing the news, I was shocked! ?

The person involved knows better than me how important a loan is. How can he be so willful?

I decided to call him and give him a scolding. After being scolded by me, my classmate begged me to help solve the financial problem. He didn't want his hard work of starting a business to be wasted for several years, and he didn't want the company to close down and not be able to pay employees' wages. Seeing his frustrated and anxious look, I gave in again.

I discussed the next step with the teacher at the bank. This time I really tried my best to help him submit the loan to the loan review committee. The interest rate increased and the limit was reduced. Finally, he got the approval. The result of the approval.

After refinancing a multi-million dollar mortgage loan, I also helped him plan 4 corporate credit loan products, with a credit loan financing amount of more than 800,000 yuan, which solved his financial problem and saved a small business. The life of a business.

This story tells us all about the seriousness of overdue credit cards. Not everyone is so lucky and can still get money when the overdue credit card is so bad. It also caught up with the national policy of supporting the development of small, medium and micro enterprises and obtained bank funds to help the development of enterprises. ?

Overdue credit is not a problem, how to manage credit records is the hard truth

Regarding credit card management, I use a commonly used debit card to bind the credit cards I use, because Some credit cards from other banks can also be bound to your commonly used debit cards, and you can choose to adjust the repayment date. If you don't have many credit cards, you can adjust the repayment date to the same day, and repay two or three cards at the same time.

If you have many credit cards, the usage rate is too high, and you have zero bills every month, you can divide the credit cards into three repayment dates.

For example: you have 10 credit cards, and your salary is paid on the 10th of each month, then you can divide the credit cards into a small amount batch, a medium amount batch, and a large amount batch.

For large amounts, the credit card repayment date can be on the 12th, for medium amounts, the repayment date can be on the 20th, and for small amounts, the repayment date can be at the end of the month. Set up three unified repayment dates and bind your debit card for deductions.

This will not affect your credit record. The above are purely personal suggestions. I hope it can help friends who don’t know how to manage credit cards. There are many benefits to managing your own credit records. For example, you can apply for products with very low interest rates from banks!