How long does it take for Bank of China to expunge

Bad credit records cannot be cancelled. Bad records will be cancelled after 5 years. When using a credit card, the delinquency affects personal credit and produces a credit stain, which cannot be recovered by canceling the card, which will only make the bank identify it as a "malicious overdraft" in the future, and this negative record will be retained for a long time.

In the case of a home mortgage loan, if there is a late payment, the number of times will be accumulated and will not be erased until the loan is repaid. When applying for a credit card, the bank has a contract with the customer, so the customer is bound by the law, whether it is the subjective will not repay in time or the objective reason is overdue, the commercial bank and the credit information center of the People's Bank of China have no responsibility to coordinate or change this information, as the customer itself, try to fulfill their own responsibilities in accordance with the provisions of the contract.

When a citizen with a bad credit record borrows money with a bank, and fails to repay the loan as agreed, the bank submits the relevant information to the People's Bank of China, and the People's Bank of China writes the above behavior into the citizen's personal credit record, and such a record is called a bad credit record.

There are several situations that can easily lead to bad records:

Credit card overdraft consumption, failure to repay on time and resulting in overdue records;

Tip: Paying in full 5 days in advance is a good way to protect your credit history.

2.The loan interest rate is raised, and the monthly payment is still paid according to the original amount, resulting in underpayment and overdue interest;

Tips: Pay attention to the changes in the national interest rate policy and save more cash on the mortgage repayment just in case.

3.providing security for a third party who fails to repay the loan on time and is overdue;

4.Overdue records caused by the arrears of annual fees after the credit card is deactivated;

Tips: If you don't use a credit card, you should cancel it if you don't owe it and have a good credit history.

5.Credit card arrears records due to fraudulent use of ID cards and other copies by others;

Tips: Take good care of your documents and form a good habit of checking your credit history regularly.

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1. Cut the pork belly into large pieces.

2. After the water in the pot boils, put in the pork belly, skim off the foam when the water boils again, remove the pork belly, and rinse with warm water to remove the blood stains.

3. After the oil in the pot is hot, add the green onion, ginger, Sichuan pepper and star anise to stir-fry the pot, add the pork belly and stir-fry evenly.

4. Add cooking wine, dark soy sauce and rock sugar and stir-fry until colored.

5. Add an appropriate amount of warm water to cover the pork belly, a little more than the water used to make braised pork. Bring to a boil over high heat and simmer for an hour.

7. Put the vermicelli into the pot, cover the pot, bring to a boil over high heat, and continue to cook on low heat for 15 to 20 minutes until the vermicelli is soft and rotten.

Summary. Legal basis: Chinese banking enterprises cannot expunge records after they are overdue.

People's Bank of China Law of the People's Republic of China Article 2 The People's Bank of China is the leading bank of the People's Republic of China. Under the leadership of the People's Bank of China, the People's Bank of China formulates and implements monetary policy, prevents and defuses financial risks, and maintains financial stability. Article 31 The People's Bank of China shall monitor the operation of the financial market in accordance with law, carry out macroeconomic regulation and control of the financial market, and promote its coordinated development.

Chinese banks and enterprises cannot expunge records after they are overdue.

Our company deducts bank interest, and the account balance is insufficient to lead to overdue repayment, how can we eliminate this overdue record.

According to national regulations, Chinese banking enterprises cannot be eliminated after the deadline. The Financial Law includes the following provisions:

1. People's Bank of China Law; 2. Banking Supervision and Management Cracking Law; 3. Commercial Banking Law; 4. ** law; 5. Insurance Law; 6. Negotiable instruments law; 7. Anti-money laundering law; 8. Regulations on the Administration of Renminbi.

Legal basis: Bank of China's first digital industry cannot be erased after the deadline. People's Bank of China Law of the People's Republic of China Article 2 The People's Bank of China is the leading bank of the People's Republic of China.

Under the leadership of the People's Bank of China, the People's Bank of China formulates and implements monetary policies, prevents and defuses financial risks, and maintains financial stability. Article 31 The People's Bank of China shall monitor the operation of the financial market in accordance with law, carry out macroeconomic regulation and control of the financial market, and promote its coordinated development.

Can you apply for reconsideration?

What the situation. Can you communicate.

How can this overdue record be dealt with, and the company's later bank loans will not be affected.

Overdue can't.

1.Five years: According to the Regulations on the Administration of the Credit Investigation Industry, overdue records are kept for 5 years from the date of repayment of the outstanding balance on the cardholder's credit card.

Overdue records shall be deleted for more than 5 years. However, it is important to note that if the overdue record occurs again within 5 years, it should be calculated from the date of the most recent payment of the arrears.

2. Submit the "Personal Credit Objection Application" If it is not an overdue record caused by the user, the user can eliminate the bad credit record by applying for a personal credit objection, and give a reply within 15 days after the application is successful.

1. What overdue records can be eliminated?

1. Non-malicious arrears: If the credit card is used due to annual fees, service fees and other reasons, or the cardholder is unemployed or overdue, the cardholder can owe money, and then complain to the bank and ask the bank to eliminate the bad credit record.

2.Bank negligence: If the deadline is overdue due to bank reasons, such as failure to receive the bill, failure to notify the cardholder of the annual fee adjustment, etc. You can directly appeal to the bank to eliminate your bad credit record.

3. Small arrears are not repaid: The cardholder has some small arrears that have not been repaid during the repayment process, such as; Rush to pay off the whole number, some zero forgot to overdue, you can choose to negotiate with the bank to eliminate bad credit records, 4Information stolen:

If the cardholder's information is stolen, whether the stolen person maliciously refuses to return it, resulting in the stolen person overdue the time limit. This is a case of overdue due to lax bank audits. In this case, the cardholder can appeal to the local People's Bank of China, which usually gives a response within 15 days.

2. What are the remedies for overdue credit cards?

1.Full repayment: When a credit card is overdue, the cardholder should repay the credit card in full as much as possible.

If you are really short on funds and cannot repay all the arrears, you can choose to take the initiative to negotiate with the bank to apply for a personalized repayment plan, or repay the minimum repayment amount every month to keep the credit card in a normal state and not overdue.

2. Normal use for 24 months: After the credit card is overdue, do not cancel the credit card, it is best to use it normally for 24 months, maintain a good credit history, and make the credit history of Xinyou poor cover the previous bad credit record.

3.Don't lose contact: Don't lose contact after your credit card is overdue. It's best to keep using this card. In this way, if the bank cannot be contacted in the process of contact, it will be judged that it is maliciously overdue, and there may be a risk of prosecution.