How to write a personal statement about an overdue credit card

A statement about an overdue credit card should mainly explain the reasons for the overdue behavior and promise that overdue behavior will not occur again in the future. The content must be true and true. Be sincere and express your determination to repay the loan on time in the future. If there is malicious intent to overdue, such instructions are of little use.

Instructions on the personal situation of overdue credit cards

To a certain bank:

I, Li Si (ID number: 4201063220), applied for a commercial housing loan (loan) from a certain bank Amount 400,000 - 20 years - equal principal and interest) During the process, I found that there was an overdue record in the personal credit report. I would like to provide the following explanation to your bank:

I hold an ordinary credit card from your bank. Due to work I was transferred to another place to work, changed my mobile phone number, and failed to receive interest reminders from the bank. In addition, I didn’t know much about the relevant credit card 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.

How to write a good way to repair personal credit by explaining the overdue loan situation

Overdue loans are terrible, and I believe everyone knows the consequences. However, there is a way to remedy the situation after the loan is overdue, which is to issue a statement of the overdue loan. As long as the loan institution signs it, you can preserve your credit.

1. Under what circumstances can an overdue loan statement be issued?

Not all situations of overdue loans can be issued, and lending institutions will not forgive all overdue loan behaviors. Only in some special circumstances can a non-malicious overdue certificate be issued. The circumstances under which a malicious overdue certificate can be issued are as follows:

1. The business is handled by a third party, but the third party fails to repay the loan on time as stipulated in the contract, resulting in overdue payment.

2. The loan was taken out by an impostor, but the real lender failed to repay the loan on time, causing the loan to be overdue.

3. The unit fails to pay the provident fund in time, causing the personal provident fund loan to fail to be deducted in time and become overdue.

4. Overdue due to changing the borrower and notifying the repayment date.

5. There is no overdue credit card or credit card that is not activated but has annual fees.

2. How to issue a statement of overdue loan conditions

First of all, the applicant must find the lending institution whose loan is overdue, submit a statement of overdue loan conditions, and indicate in the statement that the overdue loan is not malicious. , hope for understanding.

The loan overdue explanation template is as follows:

I (), ID number (), I have applied at () bank on () month () day () year () with an amount of () )'s loan, with a term of (), was overdue for () days due to ()'s failure to repay on time, and then all the arrears and interest were repaid on () month () year (). Through this loan, I understand the importance of credit record, and I know that the impact on my credit cannot be made up. I promise to pay off the next loan on time and maintain a good credit record.

Sincerely!

Borrower:

Year, Month, Day

The loan overdue statement must be stamped by the lending institution to be effective, and it is invalid if it is issued by an individual.

Reminder: If the loan is overdue, you can also issue a non-malicious overdue certificate, but it is understood that most lending institutions are unwilling to issue a "non-malicious overdue certificate" and generally only provide a "no debt certificate" Or a description of the loan overdue situation, so friends who want to issue a certificate should understand the situation of the lending institution in advance, and it can be resolved through arbitration if necessary.

How to write a bank overdue statement

Overdue statement

I, xx (ID card-xxxxxxxx), applied for a loan from xx bank (loan amount 600,000-30 years - During the process of equalizing principal and interest, I found that there were overdue records in the credit report. I would like to provide the following explanation to your office.

Due to xxxxx reasons, I failed to repay the loan in time. This overdue payment is not a malicious overdraft behavior. I hope that the relevant parties can understand.

Now I have deeply realized the serious impact of such behavior on my personal credit. I promise to repay the loan in full and on time with xx Bank, and I am willing to bear the responsibility for failure to pay the loan in full and on time. All consequences of repayment.

: 1. Overdue refers to the situation in which the final repayment period stipulated by the bank is exceeded and the consumption amount is not deposited in the designated account in time and in full. Once overdue, overdue interest will accrue, and overdue interest will be charged again. Including late payment fees and daily interest. Legal basis: "Regulations of the Supreme People's Court on Several Issues Concerning People's Implementation of Work (Trial)" 97. If the person subject to execution or the legal representative or person-in-charge of the person subject to execution who must appear before the people for questioning refuses to appear without justifiable reasons after being summoned twice, the people may arbitrarily summon him.

2. Overdue repayment refers to the situation of exceeding the final repayment period stipulated by the bank and failing to deposit the consumed amount into the designated account in time and in full. Generally speaking, each bank will charge a certain amount of interest for overdue repayment, and currently each bank is different, usually an interest of 0.05%. However, the interest accrual date is calculated from the date of consumption, not the date after the final repayment date. It should be noted that an overdue credit card will not only have to pay interest, but will also affect your credit record. It will be recorded in the credit reference center, which will have a negative impact on future card applications or loans. Therefore, be sure to remember the repayment date clearly and make timely repayments.

3. If the credit card debt is not paid overdue, the credit card center of the issuing bank will collect the debt. Due to ignorance and blind arrogance, some people not only refuse to repay the loan, but also "escape" by changing their address, mobile phone and other contact information so that the bank cannot contact them, thinking that the bank can't do anything to them. In fact, this approach is very wrong and absolutely undesirable. When you apply for a credit card, your real-name information has been recorded by the bank. Once you "run away", the bank will determine that you have malicious overdrafts and arrears, and will call the police, who will list you as a wanted criminal.

How to write a description of the reasons for loan overdue?

There is no fixed format for overdue loan explanations. Just explain the situation and previous borrowings and overdue loan repayments. The reference format is as follows:

I (), have been in ( A loan with an amount of () was processed at () bank on () day () year), with a term of (). Due to ()'s failure to repay on time, it was overdue for () days, and then it was overdue on () month () day () year () month () day. Pay off all outstanding debts and interest. Through this loan, our company understands the importance of credit history and knows that the impact on our credit cannot be made up. I guarantee that the next loan will be paid off on time and a good credit record will be maintained.

Yours sincerely!

Borrower:

Year Month Day

The reason for overdue may be that the job has changed, resulting in a reduction in income and the inability to repay the loan ; Family members or borrowers die or disappear, and there is no repayer; the developer delays the delivery of the house, delays in applying for the property ownership certificate, or the purchased house has serious quality problems, and the home buyer refuses to repay the loan as a defense; some borrowers have poor legal awareness , deliberately defaulting on the loan; due to work reasons, being away from home for many years and being unable to repay the loan in time, etc.

Provide several methods to prevent overdue repayment.

1. Read the contract carefully.

When we sign a contract, we must read the contract carefully. First of all, we must read the repayment date clearly as soon as possible. We must remember the date of repayment. Secondly, we must also read the fine information clearly and understand it properly. , only by knowing these in your mind can you effectively avoid overdue items. Make repayments on time.

2. Link your frequently used bank cards for repayment.

Most people forget to repay rather than being unable to repay, so they can choose to link their bank cards and let the system automatically deduct the money. At the same time, they can choose to pay in advance on the repayment date. Fill in 2-3 to avoid overdue transfers.

3. Apply to the bank to extend the loan time.

If you happen to have a problem with your time, it is recommended that you contact the bank to explain your situation and whether you can apply for long-term repayment, so that you can avoid high penalty interest in the future.

4. Try to have the bank send you text messages to remind you of repayment.

5. Choose a financial services company with a strong sense of responsibility to help you apply for a loan, so that your financial advisor will help you remember the repayment date and remind you to make repayments.

Please see the template for the bank loan statement for details

The bank statement actually refers to the certification document issued by the relevant lending bank to the lender after non-malicious overdue repayment of the loan. A credit-clearing credential that helps a lender prove that it is not intentionally late on a payment. So what is the bank loan description? Let’s find out together below.

Want to know what the bank loan conditions say? The detailed description template is as follows:

Instructions on xxx personal bank loan situation

Customer xxx, ID number is xxxxxxxx, applies for a personal loan at our bank with a loan amount of xxx yuan (in capital letters? xxxx ), with a period of

How to write a statement on loan overdue status?

Explanation on the overdue mortgage loan

Bank:

I applied for a housing mortgage loan with your bank on the day, month, year. I have always paid back the mortgage on time every month. I strictly fulfilled my repayment obligations. However, during the latest repayment period, because I was on a business trip, I was unable to repay the monthly payment in time. However, I deposited the debt in time after returning from the business trip. This is indeed a matter of reason, which has brought great inconvenience to your bank's work and has also greatly affected my personal reputation. I hope your bank can take into account the special circumstances that my debt is not malicious and I can repay it promptly afterwards, and give me a discount on the loan interest rate this time.

We hereby apologize for the inconvenience this has caused to your bank.

If the home buyer is unable to repay the mortgage on time due to changes, he or she can apply to the lending bank for a loan extension 30 days in advance. After verification by the bank, the mortgage term will be appropriately extended and the monthly payment will be reduced.

Under normal circumstances, if you fail to repay your mortgage on time, the bank will send you calls or letters to urge you to repay. Moreover, late payment fees will also be incurred during this period, which will accumulate more and more. If you don't repay the loan, the bank will visit you or send you a lawyer's letter. Next, you will have to dispose of the house in accordance with the relevant provisions of the contract terms, such as auctioning.

If the house purchased by the lender has not been registered as a mortgage with the housing authority, then when you do not repay the loan for 3 consecutive months or a total of 6 months, the lending bank will require development in accordance with the "Loan Contract" The developer assumes the guarantee responsibility. After the developer repays the remaining loan for you, the developer will take back the house or auction the house in accordance with the provisions of the Guarantee Law.

In this case, your financial losses will be greater, because the price of the house, whether it is repossessed or auctioned, is often lower than the price you paid when you originally purchased the house, and you will start to pay an absolute percentage of your monthly loan repayments. Most of it is interest, which means you haven't repaid much of the principal, so after repossession or auction, you may have very little left over to pay for the house.

So, if the mortgage loan is not repaid, the bank and the developer have the right to auction your house! In addition, the bigger disadvantage is that you will have a bad credit record in the bank. Once it is noted, the record may be retained for 3 to 7 years. If you want to borrow money from other banks in the future, you may have bad credit records. It is not easy to apply.