I have opened one ~ because I had a credit card before, but the card was lost and I didn’t know I owed the annual fee. I finally found out that there was a long-term debt.

I asked the bank to give me a statement of the situation and successfully applied for a housing mortgage loan.

The description of the situation is the same as the proof of non-malicious debt you need, but the girl who answered the phone at China Merchants Bank may not know what is going on, and of course she said there is no such thing.

You can tell her this: Due to job transfer, you are unable to repay your China Merchants Bank credit card debt in your location. Now that your debts have been settled and you want to buy a house, you would like an explanation (note, It’s not a proof! It’s an explanation!)

You can refer to this format, and you can also think of some reasons to make things more innocent:

Say

There is Mr. **** who owes money to our bank from

to

. The amount is currently owed. All have been settled, and the reason for the debt is job transfer. Hereby explain.

About this format and this statement. You can only ask the bank to explain the matter clearly, but you cannot ask it to prove that you are not malicious. The bank will not issue such a thing casually, but it is much easier to explain.

You write an explanation, and then let the bank that handles your home loan decide whether it is malicious or not. It is feasible to handle it this way.

How to write this description is up to you. China Merchants Bank should also have a version. Think about some reasons carefully, and let others see the explanation and think that you are not malicious in owing money. This is the right thing to do!