Who does classics regular meeting hear who who " exceed the time limit " , the exceed the time limit that credit card borrows with the net but cannot small gaze, went up very easily otherwise blacklist.
Laotie people know, with credit card or the net is borrowed, forget very easily toward contact money time, especially when the cut that credit card perhaps borrows is more.
But many people have misunderstanding to exceed the time limit, how to just calculate true credit card exceed the time limit after all? Next penny is solved to you below.
The exceed the time limit that we say below the circumstance normally is to point to: Borrower fails to fulfil the obligation of reimbursement inside conventional deadline.
Although have short group only, but still have actually other 4 respects of your oversight.
- error one -
Reimbursement day reimbursement went that day
From apparently look, borrower not only active reimbursement, and the reimbursement time limit that also did not exceed an agreement, say to should not appear normally exceed the time limit, but the fact is not such. It is with credit card exemple, although the reimbursement day of credit card terminally is fixed, but each bank is in reimbursement day the time deducting a money that day however each are not identical.
If you installed automatic reimbursement, so labour guild is in the 19:0 that day0 hind deduct a money automatically, action travel is the 15:0 that day0-24: 00 between undertake batch deducts a money, if hold calorie of person to did not stock amount ahead of schedule,bind decided deposit inside card, so the system does not deduct a money, can identify you automatically to be exceed the time limit.
- error 2 -
Exceed the time limit signs a letter one day on the meeting
A lot of people think, want exceed the time limit only a day, the bank reports an individual to ask for a letter to go up with respect to the record of meeting exceed the time limit you, always shift to an earlier date early so reimbursement. This kind of wording is not actually exact, because the bank is not,according to you the day number of exceed the time limit decides those who sign a letter to whether go up, accuse degree to judge according to the wind of bank oneself however.
It is with credit card exceed the time limit exemple, because major bank is offerred " the service when the look " , the credit card user that is exceed the time limit namely provides the wide within a definite time of 1-3 day, but the person that hold card must as soon as possible reimbursement, customer service of bank of active connection shows reason.
- error 3 -
Exceed the time limit cannot borrow money
If already exceed the time limit, and negative credit record produced on letter newspaper, but loan cannot apply for after this does not mean you, because exceed the time limit also has branch,mix gently heavy.
Major bank is to asking for those who believe exceed the time limit to master measure " connect 3 tired 6 " , namely successive 3 months exceed the time limit, or accumulative total exceed the time limit 6 above. 1-2 of common exceed the time limit second and time is shorter, can not affect the application of loan.
- error 4 -
Record of the exceed the time limit after 5 years can be eliminated automatically
This is current a the commonnest error, after a lot of people think 5 years, the record of exceed the time limit on individual letter newspaper can be eliminated automatically, actually this has premise requirement.
Basis " draft the regulation that believe industry " relevant provision, the record of the center that sign a letter can withhold 5 years only, but want borrower to did not pay off debt only, notes of exceed the time limit will exist all the time, and so called " after 5 years eliminate automatically " , be from what begin to calculate after reimbursement.
