I mortgaged a mobile phone at Gitzo, which was overdue for one month. It is said that I must record my credit. What should I do?

The mortgage is overdue, so we should remedy it quickly and strive for the understanding of the bank. If the phone is broken, it means that you didn't receive the message. People are away on business, and so on. Sincere explanation is intentional, and it will not be overdue in the future. Try not to leave a record. Provisions on bank disposal:

1. overdue for one month is not considered as a black account, but overdue records will also be reported to the credit bureau, which will affect personal credit status.

2. overdue for more than three months will be blacklisted by the bank.

3. The bank's requirement for overdue is that it cannot be twice in the past three months, three times in the past six months and four times a year.

If it is overdue for six times or three times in a row within two years, it will be regarded as a bad credit record by the bank, and it is difficult to get the bank's permission when refinancing.

In addition, if the applicant is overdue for more than 90 days, and the applicant has been blacklisted by the bank, it is estimated that it is difficult to refinance.

Extended data

How to control loans overdue?

As the first line of defense of loan risk, the review post should pay attention to the acceptance process and be vigilant. Examining the completeness, completeness and compliance of the application materials submitted by the applicant; Whether the applicant's subject qualification meets the relevant business requirements of our bank and whether it has a bad credit record; Whether the loan purpose is in line with our credit policy and whether it is specific; Whether the loan investigation report is complete and the calculation of key financial indicators is accurate.

The members of the loan review committee may be the post of microfinance business supervisor of tier-one branches with certain experience, post-lending management post of microfinance institutions and microfinance business supervisor. As the second line of defense against loan risks, the quality of the loan review meeting will directly affect the risks in loans overdue, and also affect the quality of investigation and review.

References:

Baidu Encyclopedia: loans overdue