Recently, the epidemic has spread in many places, and the repayment of some credit card holders has been affected.
In this regard, the reporter investigated a number of banks and found that most banks have issued credit card deferred repayment and relief policies, including credit card interest rate concessions, fee relief, credit investigation protection and other support and guarantee services during the epidemic. Some banks have simplified the credit card extension application process and materials to facilitate cardholders.
various situations can apply for deferred repayment
China Construction Bank Corporation(601939) credit card customer service staff told reporters that if the credit card holder is located in an epidemic prone area, and the source of income is affected by the epidemic, or is isolated due to the epidemic, he can apply for credit card deferred repayment.
Previously, China Construction Bank Corporation(601939) for corporate credit card customers, it also issued an announcement of delayed repayment during the epidemic. The announcement said, "for the problem that the corporate credit card cannot be repaid due to the epidemic period, the repayment shall be delayed for a maximum period of 2 months (or 2 periods). If there are fees and interests during this period, the corporate credit card customers can contact their branches to apply for reduction, which will not affect the credit investigation"P align = "center" source: China China Construction Bank Corporation(601939) official website
Industrial And Commercial Bank Of China Limited(601398) staff also said that they could try to apply for negotiated repayment according to the current personal situation of credit card users and the status of cards and accounts. "If the cardholder has no income or temporarily loses the source of income due to the epidemic or other reasons, he / she needs to take the initiative to make an online application, and the local branch will negotiate with the customer to formulate the repayment method, extension period, installment quantity and other matters".
Some banks also introduced preferential interest rate policies during the epidemic Agricultural Bank Of China Limited(601288) customer service staff told reporters that they can apply for credit card interest rate concessions, deferred installment execution and other relief services by telephone. The bank will determine the preferential price according to the customer's account conditions, such as the amount of arrears and whether there is overdue record.
In addition, most banks said that if the overdue problem occurs due to the epidemic, the cardholder can provide corresponding materials and apply for the elimination of bad credit investigation records after paying off the arrears.
It is understood that according to the guidance of the general office of the people's Bank of China on the protection of credit investigation rights and interests during the prevention and control of covid-19 pneumonia epidemic issued by the central bank, the "four groups" affected by the epidemic can reasonably adjust their overdue credit records. These "four groups of people" refer to those hospitalized or isolated due to covid-19 pneumonia, those who need isolation and observation due to epidemic prevention and control but are not hospitalized and isolated, those who participate in epidemic prevention and control, and individuals and enterprises who temporarily lose their source of income affected by the epidemic.
whole process online processing, multiple application for extension
In the investigation, the reporter found that many banks have simplified the relevant process of applying for epidemic extension, adopted the way of whole process online communication, and can apply for deferred repayment for many times according to the actual situation of cardholders.
For example, China Everbright Bank Company Limited Co.Ltd(601818) credit card customer service hotline and mobile client have opened the exclusive module of "epidemic extension", which shortens the time of business consultation and handling. "We will extend the payment deadline according to the information provided by the customer within seven days." China Everbright Bank Company Limited Co.Ltd(601818) Credit Card Center staff said.
China Construction Bank Corporation(601939) said it would verify the required delayed repayment time according to the needs of the cardholder. "Generally speaking, if there is no previous extension or overdue record, you can apply for a one-month extension for a single time, no more than three times at most. However, the specific extension shall be negotiated according to the actual situation of the customer.".
Postal Savings Bank Of China Co.Ltd(601658) also said that at present, users of ordinary credit cards have a preferential policy of one month deferred repayment, but customers with good credit status and special difficulties can also apply for a longer extension.
In addition, some banks have also adjusted and simplified the materials required to apply for deferred repayment of the epidemic. In addition to basic information such as ID card images, the applicant also needs to provide relevant certificates affected by the epidemic. For example, if the wage income of the unit affected by the epidemic is interrupted, the unit needs to issue a certificate; If you are isolated at home affected by the epidemic, you need to provide the isolation certificate issued by the street, neighborhood committee, village committee and other local authorities. In addition, some banks said that the isolation certificate materials could be extended to the centralized isolation announcement of the local government or the screenshot of the local health code showing the need for home / centralized isolation.
For the above-mentioned rescue measures, insiders pointed out that for personal loan customers or credit card customers who need to postpone, it should be noted that the deferred repayment is not the cancellation of the loan contract, and they still have to perform the repayment after life is on track. Therefore, consumption and use of funds should be reasonably controlled. In addition, after the extension, the repayment shall still be made on time according to a certain extension time, otherwise there will be overdue risk and personal credit investigation will be affected.
