As the change that consumes an idea, more and more people are used to " spend the money tomorrow, do today's thing " , buy a house, buy a car, go abroad study abroad, do poineering work... want you to want only, total meeting has method to solve.
Among them, credit card, loan made the first selection of a lot of young customer. Dealing with however borrow money or after credit card, again can new issue appears. For instance a lot of people did not remand in time because of a few reasons debt, produced exceed the time limit then, once appeared exceed the time limit, very much young associate begins to fear whether he can go up sign a letter " blacklist " !
Above all, good borrow gentleman to should give everybody popular science a little knowledge, that asks for a letter to do not have namely " blacklist " , have bad record only. What say at ordinary times " blacklist " it is to show refus does not return money mostly, be sentenced by the court be carried out to break one's promise of personnel " Laolai " . If you are slight exceed the time limit only, not too fear, this does not mean you and financial orgnaization not to have a predestined relationship from now on, want to seek exact cause only, you also can undertake remedying!
Exceed the time limit of credit card, loan how to do? This 3 action let you be far from sign a letter " blacklist " !
1. is aimed at the exceed the time limit that disloyal information causes
The causes because of disloyal information exceed the time limit that says here includes: The information that him client fills in has by accident, client manager is typed have by accident, put borrow orgnaization data processing to have by accident, data of conformity of the center that sign a letter has by accident, the exceed the time limit that is borrowed money to bring about by other go under sb else's name.
Want you to disagree to these disloyal information only, have right to put borrow an orgnaization or ask for letter center demur and ask to change, inside 15 weekday after normally the circumstance falls to apply for in you, can get answer, if be belonged to via checking your demur solid, so the exceed the time limit that because this is planted,circumstance place causes can be eliminated.
2.Be aimed at the exceed the time limit of different time
The means of settlement of exceed the time limit that is aimed at different time is different also.
The exceed the time limit of less than of L 20 day
The business that we should do after exceed the time limit is as far as possible namely inside the shortest time pay off capital and accrual, contact a bank actively, communicate circumstance of exceed the time limit with bank clerk, if because,be tripartite former
Because of the exceed the time limit that causes, can apply for to let a bank open ill will of a blame to owe a specification so, had this proof, after be opposite explain borrow also won't have too big effect.
In addition, to the person of credit card exceed the time limit, most bank has normally " Rong Shirong is poor " mechanism, if you can be in 1-3 each like that in a few days, pay off accrual of debt, exceed the time limit, penalty due to breach of contract, call bank or situation of client manager specification, so most bank also is to meet of give the wrongdoer a way out, behavior of your exceed the time limit won't appear in the record that sign a letter commonly, do not cross different bank, different to the regulation of the reimbursement when the look, good borrow gentleman to still suggest everybody had better not take a risk exceed the time limit.
Finally, good borrow gentleman to remind everybody, credit card exceed the time limit and credit card bad debt are different, some young associate think credit card exceed the time limit produced record of exceed the time limit, should sell card instantly after paying off debt, records of such exceed the time limit can disappear, but actually this kind of practice is incorrect.
If because credit card exceed the time limit produced bad record,you are, so you should be done is pay off all debt for a short while, continue to use this piece of credit card next, with good credit the record has the negative record previously covering. If you are now and then reimbursement of occurrence exceed the time limit, but later you are on time, reimbursement of full specified amount, the credit that proves you with respect to enough then forward good way develops improvement, the bank when loan is being handled after be in also too won't embarrassed you.
What you need to remember is: Credit card has exceed the time limit to cannot be sold finish sth!
The exceed the time limit of above of L 20 day
To exceed the time limit the exceed the time limit of 20 days of above, be about to divide a circumstance to look! Generally speaking, the bank appears in the newspaper signing a letter have cycle, current frequency is mensal. Those who see you ask for a letter to go up to whether have record of exceed the time limit, be about to see you is money was paid off before data appears in the newspaper, still paid off money after data appears in the newspaper!
The first kind of circumstance, before if you are in a bank,reporting the data that sign a letter, paid off debt actively, contact the reason that told exceed the time limit actively with the bank, so hopeful of your record of exceed the time limit is eliminated! The staff member of the bank also is not ironhearted person, if you encountered a client manager that compares volubility, so you say a good word more, those who move with affection, the family also can help you actively solve a problem!
The 2nd kind of circumstance, if you are,money was paid off after data appears in the newspaper, so record of your exceed the time limit is to had appeared on the report that sign a letter for certain, so this exceed the time limit records you cannot be deleted, what you need to do is after paying off debt, continue to hold good use convention, on time reimbursement of full specified amount, such after 5 years, the bad record on your report that sign a letter will be eliminated.
The good warmth that borrow gentleman hints everybody, on the report that sign a letter " stain " beautiful money cannot erasure, any hitting move beautiful money can be eliminated undesirable the small ad that signs a letter is false advertisement! It is cheater! Everybody must not all sorts of hearsay on blind and credulous net, was duped cheater carefully, compensate the madam is folded again arms!
3. assures the exceed the time limit that loan causes
Because individual information has by accident, the exceed the time limit that tripartite machine constructs can pass bank of seat China people to sign a letter management department or the way that service center of direct Xiang Zhengxin offers written demur to apply for are solved, but if because be done for other,you are,assure, sign a letter so record of exceed the time limit appeared on the report, so record of your exceed the time limit won't be eliminated, you can urge party remands as soon as possible only debt, have no other way.
Had been here to borrow gentleman to want to say with everybody, assure this thing is best can not assure do not assure, when wanting to know to cannot fulfill debt when debtor, security is to should assume those who assure responsibility, if you are to be your friend to be done so that assure, so if he owes money,do not return, the bank can ask you remand loan, if borrow money exceed the time limit, so your ask for a letter to also can be affected! Assuring so is an important matter, before sign, you but must think carefully!
Good borrow gentleman to the word says:
Said so much, good borrow gentleman to want to tell everybody namely now and then occurrence loan exceed the time limit is not terrible, when wanting to happen in phenomenon of exceed the time limit only, answer actively to be handled rightly, in time, so your report that sign a letter still has redeemed room!
Of course, have a beautiful report that sign a letter to let his, everybody still is not put fluky psychology goes exceed the time limit, after all credit is us " Id of the 2nd piece of economy " lane became beautiful always be very troublesome!
Civil | Beautiful jade of the Song Dynasty
