Several banks launch credit card deferred payment services
Those affected by the epidemic can apply without affecting credit
Reporter Li Xinzhi from Changsha
At present, many banks have launched deferred repayment services for credit card users affected by the epidemic, but most banks require users to apply for it on their own initiative. Agricultural Bank, China Construction Bank, Bank of Communications and other banks have announced that cardholders who meet the conditions can apply for credit card repayment extension without affecting credit reporting.
Some banks clearly do not affect credit reporting
The official WeChat account of the Agricultural Bank of China stated that for customers who have temporarily lost their source of income due to the impact of the epidemic, the Agricultural Bank of China credit card will give priority to providing deferred repayment services to solve customers’ short-term financial difficulties. At the same time, under the premise of complying with laws, regulations and regulatory requirements, for ABC credit card customers who are engaged in epidemic prevention and control work, if the credit card overdraft is overdue during the epidemic period, it will not be regarded as a breach of contract, and will not be included in the list of defaulting customers, and no overdue repayment will be charged. Interest.
Bank of Communications released a financial service plan for the convenience and benefit of the people during the epidemic, and continued to optimize the deferred repayment relief policy for credit card customers. Customers in areas severely affected by the epidemic and with normal account status can choose the relevant deferred repayment service according to the service SMS actively sent by Bank of Communications; other credit card customers can call the customer service hotline to apply for deferred repayment. Credit overdue will not be counted during the grace period of deferred repayment. For credit card customers who have been overdue for the first time in areas seriously affected by the epidemic, Bank of Communications will arrange to actively stop the reminder; for other overdue credit card customers, it will actively weaken the collection, and customers can apply for suspension of reminder.
“Recently, due to the impact of the epidemic, some areas have implemented temporary control measures such as personnel and transportation, resulting in some corporate credit card customers unable to repay on time.” China Construction Bank announced in an announcement, “In order to support the prevention and control of the new crown epidemic, our bank During this period, the corporate credit card cannot be repaid, and the repayment period will be delayed for a maximum of 2 months (or 2 periods). If interest is incurred during this period, corporate credit card customers can contact their branch to apply for a reduction or exemption. Affecting credit.”
No charge for rights protection due to errors in credit reporting
According to the “Guiding Opinions of the General Office of the People’s Bank of China on the Protection of Credit Information Rights and Interests During the Prevention and Control of the New Coronary Pneumonia Epidemic”, “four categories of people” affected by the epidemic can reasonably adjust their overdue credit records. The “four groups of people” affected by the epidemic refer to those who have been hospitalized or quarantined due to infection with COVID-19, those who need to be quarantined for observation but have not been hospitalized due to epidemic prevention and control, those who have participated in epidemic prevention and control, and individuals who have temporarily lost their source of income due to the epidemic. enterprise.
According to the Regulations on the Administration of Credit Information Industry, whether it is a credit reporting agency or a commercial bank and other information providers, they have the obligation to truthfully report their credit information. information. If the information subject believes that there are errors or omissions in the information collected, stored and provided by the credit reporting agency, they have the right to raise objections to the credit reporting agency or the information provider and request correction. If the information subject believes that their legitimate rights and interests have been infringed, they may file a complaint with the local agency of the credit reporting industry supervision and management department of the State Council where they are located. If the masses have needs, they should protect their rights legally and rationally through formal channels, and no fees will be charged for credit investigation objections and complaints conducted through formal channels.
Don’t be too nervous if you have a bad record on your personal credit report. On the one hand, according to the “Regulations on the Administration of Credit Information Industry” promulgated by the State Council, the retention period of bad records is 5 years from the date of termination of the bad behavior or event, and if it exceeds 5 years, it should be deleted. Bad credit records will no longer be displayed in the credit report and will not be accompanied for life; on the other hand, when banks approve loans, they will conduct a comprehensive analysis and evaluation based on the customer’s credit status, degree of untrustworthiness and the bank’s own internal risk control model. .
Among them, the credit report is only an important reference, but it is by no means a decisive, one-vote veto-type access condition, and there is no such thing as a “blacklist” of the credit reporting system.
Source: Xiaoxiang Morning News Return to Sohu, see more
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