Can China Construction Bank apply for deferred repayment?

Because of the epidemic, especially in Shanghai, the income has been affected, and the bank's reply in the first two days can be postponed, but it is more necessary for customers to take the initiative to apply for an extension.

China Construction Bank took the initiative to postpone the bill for credit card repayment for one month. Make bill corrections, collect no credit information, and charge no extra fees.

Let's take a look at the screenshot feedback of the card friend first.

Direct SMS reminds you to postpone repayment.

Open the app bill record, and you can view special signs: special events, delayed repayment, and reversal.

Especially this time, it is aimed at Shanghai. If it is from other regions, you may need to apply by phone. You can usually apply.

However, it needs to be reminded that if the repayment is postponed, it will be repaid for two months after the repayment next month. Pay special attention to the amount of consumption this month. If the meeting ends, the repayment pressure will be even greater next month, or there will be problems in the capital flow. If it is too big, you can consider modifying the bill date and repaying some bills in installments to relieve the pressure.

After all, the overall situation is improving in the future, but it remains to be seen when it will bear the brunt.

Let's take a look at the responses from the previous six banks.

Earlier, the central bank and other five departments jointly issued a document, requiring financial institutions to reasonably delay personal credit repayment arrangements such as housing mortgage. The whole use only needs to be operated on the mobile phone, and the process can be completed in ten minutes. At present, six state-owned banks and large joint-stock banks can provide mortgage extension services to eligible customers.

There are four main types of people who can apply:

Persons hospitalized or isolated due to infection in COVID-19;

The epidemic prevention and control needs to isolate observers;

Personnel involved in epidemic prevention and control;

China Industrial and Commercial Bank said that ICBC attached great importance to personal loan customer service and provided repayment service support to personal loan customers affected by the epidemic.

China Construction Bank said that since the outbreak of the new pneumonia epidemic, CCB has issued related service policies such as deferred repayment during the epidemic period for housing mortgage, consumer loans and other businesses, and has continued to this day. It mainly provides three types of services: first, short-term delayed repayment of up to 28 days, which will not be collected during the exhibition period and will not affect the credit investigation; The second is to adjust the billing plan. According to the epidemic situation in various places, we can adjust the billing plan in stages, reduce the installment payment in the current period, and postpone part of the repayment to the next month. The third is to extend the overall term of the loan, postpone the maturity date and reduce the installment repayment amount.

Bank of Communications said that since the outbreak of Xinguan pneumonia, the policy of reducing or exempting mortgage customers during the epidemic has been introduced, and a certain grace period has been given to customers whose repayment ability has temporarily decreased due to the epidemic. The focus is on medical personnel, government workers and their spouses, confirmed patients, isolated personnel, and employees in industries greatly affected by the epidemic. Customers can apply to the branch to which the loan belongs, and each branch will review it according to the policies of the Head Office. For those who meet the requirements, a certain grace period is given.

China Postal Savings Bank said that it would provide deferred repayment service for up to six months to eligible customers. At the same time, it is helpful to adjust the overdue credit records related to the epidemic by strictly implementing the credit protection policy for the credit problems that customers care about and clarifying the eligible mortgage customers who are inconvenient to repay due to the epidemic.

See if you are in your area and meet the delay conditions. I also sincerely hope that other banks can take the initiative to delay. After all, most card friends are still very moved.

Pay close attention to your account, and finally remind your card friends to do a good job in credit card management, especially cash flow. How to treat CCB's move?

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