During the epidemic period, due to the temporary suspension of work, many people have no income for a long time, which leads to the inability to make ends meet, especially those who have credit liabilities under their personal names.

This problem is also reflected in the following categories of people.

First of all, people who do business

The root of these people's problems is debt management, which is reflected in credit cards. In fact, credit cards do solve the problem of capital flow for many business people. After all, credit cards have a recycling function. As long as it is used normally and repaid on time, it can basically be said to be a fireball of funds with relatively low cost. But the biggest problem is that once the capital flow breaks, if even the minimum repayment amount cannot be solved, it is overdue, and the consequences of overdue credit cards are very serious. High penalty interest and late payment fees will be included in personal credit information.

It should be said that people who do business are the hardest hit areas affected by this credit investigation.

Second, because the company stopped working and went bankrupt, wages were delayed.

This kind of person has also suffered a lot. During the epidemic, due to long-term shutdown, the company's business was suspended, which led to financial problems and even bankruptcy of many companies. Therefore, many companies began to adopt economic layoffs, pay cuts, pay late and pay less. Originally, many people were under great economic pressure during the Spring Festival. Therefore, this situation is even worse. Therefore, it is nature that created the individual loans overdue.

Generally speaking, white-collar workers and gold collars who normally work in the company are relatively less affected.

Can the bank handle special circumstances when the credit is overdue during the epidemic?

I talked with a friend who works in a bank the other day. As far as the current situation is concerned, although some relevant departments have suggested that banks can flexibly handle personal credit repayment during the epidemic. However, because it is not mandatory, the bank has not issued an express provision. Of course, for many small and medium-sized enterprises, such as increasing credit funds and delaying the collection of loan interest principal, it is a compulsory measure issued by the state to let enterprises start work as soon as possible, and banks are also implementing it as usual, but personal credit repayment is still normal.

It is not ruled out that after the epidemic, banks will introduce some flexible measures to deal with personal credit problems during the epidemic.

According to the analysis of a friend of mine who works in a bank, if the epidemic ends, the overdue credit information will be more serious. Then the bank may introduce some flexible measures, such as requiring customers with overdue credit information to issue some written certificates to prove that their overdue is caused by poor harvest during the epidemic, such as requiring units to issue certificates. Of course, these measures do not apply to many freelancers. You can also refer to the previous repayment situation for special treatment.

Repayment is necessary, just do your best, and don't bear a heavy mental burden because of it.

Of course, if it is really a personal credit problem caused by the epidemic, you don't have to bear too much mental burden for it. To tell the truth, the credit investigation is just a credit evidence, which is convenient for your credit behavior with the bank. If the credit problem is caused by non-subjective factors, such as malicious overdraft and malicious breach of contract, then it is nothing more than worry. If you find it annoying for the bank to collect calls, you can also answer the phone less to ensure that you don't lose contact. Of course, after the epidemic, if there is income, it will be repaid in time. It should be remembered that occasional overdue credit reports have no influence on the overall credit evaluation of individuals. Generally, overdue credit reports have no reference value after 3-5 years, and short-term small overdue is almost negligible. During the epidemic period, due to the impact of work stoppage, many people have credit crisis, and the number of people with credit problems will increase greatly.