Because of the epidemic, ICBC credit card review time has been extended

If the credit card has a grace period, the grace period is usually 1-3 days, and the user can postpone the repayment for 1-3 days. If you need to apply for a grace period by yourself, users should proactively contact the bank and apply for the grace period for that month before the repayment date. Due to special reasons, the repayment cannot be made on time. If you want to extend the repayment period, you need to submit relevant certificates and apply to the bank for negotiated repayment.

The negotiated repayment will agree on another repayment time and the repayment amount. The user needs to complete the repayment within the agreed time

1. Credit card during the epidemic How to apply for deferred repayment?

If you apply for deferred repayment on a credit card during the epidemic prevention and control period, you can call the bank's service hotline in advance. The customer service staff will register the information and then hand it over to the back-end department for follow-up processing. "Notice on Further Strengthening Financial Support for the Prevention and Control of the Novel Coronavirus Pneumonia Epidemic"

For those who are hospitalized or quarantined due to infection with the new coronavirus, those who need to be quarantined for epidemic prevention and control, those who participate in epidemic prevention and control, and For people who have temporarily lost their source of income due to the epidemic, financial institutions should give appropriate tilts in credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgages and credit cards, and reasonably extend the repayment period. Personal entrepreneurial guaranteed loans infected with the new coronavirus can be extended for one year and continue to enjoy financial interest discount support. Financial institutions must give priority to insurance claimants who are infected with the new type of pneumonia or damaged by the epidemic, appropriately expand the scope of liability, and compensate all claims.

2. During the epidemic, if financial institutions require the termination of financial loan contracts in advance, stop or delay the issuance of loans, or withdraw loans in advance on the grounds that the epidemic has affected business operations, how to deal with it?

The Zhejiang Provincial Leading Group for the Prevention and Control of the Novel Coronavirus Infected Pneumonia Epidemic issued the "Opinions of the Zhejiang Provincial Leading Group for the Prevention and Control of the Novel Coronavirus Infected Pneumonia Epidemic on Supporting Small and Micro Enterprises to Overcome Difficulties", which clearly requires financial institutions not to blindly withdraw funds. Loans, loans cut off, loans suppressed, small and micro enterprises facing repayment difficulties due to the epidemic will be provided with assistance such as extension, loan renewal, expected interest reduction and exemption, and repayment plans will be properly arranged until the "first-level response" is lifted. Therefore, during the epidemic prevention and control period, if the repayment period stipulated in the financial loan contract has not expired, and there are no other statutory or agreed reasons, if the financial institution sues to terminate the contract, it shall not be supported; if the financial institution withdraws the loan in advance or delays the payment of the loan, the financial institution shall not support it. The borrower can request the financial institution to continue to perform the contract and bear liability for breach of contract.

Can credit card repayments be deferred during the epidemic? These conditions need to be met

; Affected by the epidemic in 2020, various provinces and cities have extended the resumption of work to February 10. Although the Spring Festival holiday has more than 10 days more, many cardholders are worried about staying at home without income. If it affects credit card repayment, I would like to know whether it is possible to postpone repayment under special circumstances. Let’s take a look below.

Can credit card repayments be deferred during the 2020 epidemic?

On February 1, five departments including the People's Bank of China and the Ministry of Finance issued a notice requiring appropriate tilting in credit policies and flexible adjustments to housing mortgages, credit cards, etc. for people who have temporarily lost their sources of income due to the epidemic. Personal credit repayment arrangements and reasonable extension of the repayment period.

As soon as the notice came out, many banks immediately introduced relevant policies, but some banks stood still. Here, I consulted the online customer service of credit cards of several banks on WeChat to sort out their responses to the postponement of credit card repayments affected by the epidemic. Please check it out to see if you meet the requirements.

Agricultural Bank of China:

Will provide deferred repayment and loan extensions to customers of card issuing banks in Hubei Province, customers in special industries and industries affected by the epidemic, and other customers who are unable to repay their loans normally due to the impact of the epidemic. Interest fee adjustment service, during which no overdue interest fees will be charged and no default will be recorded. If necessary, you can call our credit card customer service hotline 4006695599 to apply.

ICBC:

For medical staff, staff, confirmed patients and suspected persons and their spouses who participated in epidemic prevention and control, the credit card debts owed by our bank during the epidemic period will be refunded due to inconvenience. If the repayment is overdue, it will not be counted as a breach of contract and will not be included in the list of defaulting customers. If you are one of the above, you can contact 95588 human service to apply.

CITIC Bank:

Provide caring services to all medical staff fighting on the front line and customers in Hubei who are inconvenienced due to epidemic control. If such customers have emergency cards, If you need repayment extension, interest fee reduction, etc., you can call our bank’s 24-hour customer service hotline 4008895558 to apply. Our bank will make appropriate arrangements based on the actual situation of the customer.

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How to apply for credit card repayment deferment during the epidemic? 13 Bank Extension Application Methods

Affected by the new coronavirus epidemic, many people are quarantined at home and have lost their source of income. According to the notice of the China Banking and Insurance Regulatory Commission, major banks have launched credit card deferment services. So what about epidemic credit cards? How to apply for deferred repayment? Let’s follow Mr. Scrooge to learn about the extension application methods of 13 banks.

How to apply for deferred credit card repayment due to the epidemic

The central bank clearly stated in the "Notice" that people who are hospitalized or quarantined due to infection with new pneumonia, people who need to be quarantined for epidemic prevention and control, and participants For epidemic prevention and control workers and people who have temporarily lost their source of income due to the epidemic, financial institutions must give appropriate tilts in credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgages and credit cards, and reasonably extend the repayment period.

Users who meet the above conditions can call the credit card service hotline of each bank to apply over the phone.

Bank of China

Overdue personal loans for those participating in epidemic prevention and control will not be considered as violations. The grace period for personal loan repayment in Hubei has been extended to 11 days. For Hubei affected by the epidemic, the grace period is temporarily People who have lost their source of income can be given a 3-6 month deferral of principal repayment according to the actual situation;

For medical staff, government staff, confirmed patients, suspected persons and their spouses who participate in epidemic prevention and control, During the epidemic period, if personal loans or credit card overdrafts at Bank of China, Bank of China Fullerton Rural Bank, and Bank of China Consumer Finance Co., Ltd. are overdue, a grace period will be given to the repayment period and will not be counted as a breach of contract and will not be included in the overdue personal credit record.

ICBC

All medical staff and staff participating in epidemic prevention and control, as well as confirmed patients and suspected persons and their spouses, personal loans and credit card overdrafts with ICBC during the epidemic period will be inconvenient. If the repayment is overdue, it will not be counted as a breach of contract and will not be included in the list of defaulting customers.

Agricultural Bank of China

For customers who have temporarily lost their source of income due to the epidemic, we will flexibly adjust the repayment arrangements for personal credit such as housing mortgages, credit cards, and farmer loans, and reasonably postpone the repayment time.

On the premise of complying with laws, regulations and regulatory provisions, for staff participating in epidemic prevention and control, personal loans and credit card overdrafts that are overdue during the epidemic will not be regarded as breach of contract for the time being, and they will not be classified as defaulting customers. list, without penalty and interest.

Other personal loans, credit card overdrafts, and farmer loans that are overdue due to the impact of the epidemic and non-personal subjective reasons will not be regarded as breach of contract, will not be included in the list of defaulting customers, and will not be charged penalty interest.

China Construction Bank

For medical staff and government workers participating in epidemic prevention and control, if their personal loans or credit card overdrafts with China Construction Bank are overdue during the epidemic, they will not be deemed to have breached the contract and shall not Enter the list of defaulting customers.

For enterprises whose normal operations have been affected by the epidemic and encounter temporary difficulties, we will provide full support through credit restructuring, reduction and exemption of overdue interest, etc., based on the actual situation.

Bank of Communications

For staff involved in epidemic prevention and control, if personal loans or credit card overdrafts at Bank of Communications are overdue during the epidemic, they will not be regarded as breach of contract and will not be included in the list of defaulting customers. .

For enterprises that encounter temporary difficulties in operating due to the epidemic, based on actual conditions, we will support their normal operations by extending the repayment period, waiving overdue interest, renewing loans without principal repayment, and credit restructuring.

Postal Savings Bank

For medical staff, government workers involved in epidemic prevention and control, and people infected with new coronavirus pneumonia and quarantined, due to overdue repayment due to inconvenience during the epidemic, we will temporarily not If it is deemed to be a breach of contract and will not be included in the list of defaulting customers, overdue interest and penalty interest will be waived and credit repair will be provided.

For those who have temporarily lost their source of income due to the epidemic, timely adjust the repayment arrangements for personal credit such as housing mortgages and credit cards, and reasonably extend the repayment period.

China Merchants Bank

For enterprises that have encountered periodic repayment difficulties due to the impact of the epidemic, China Merchants Bank will adopt a one-account-by-account policy and proactively extend loans, reduce penalty interest, and conduct credit checks. We have implemented various measures such as protection to support relevant enterprises in overcoming the impact of the epidemic disaster and working together to tide over the difficulties.

Credit cards and personal loans: China Merchants Bank App supports online fee-free repayment of credit cards from various banks. The China Merchants Bank App "My Loan" supports online applications for repayment bills, settlement certificates, copies of property ownership certificates, copies of home purchase contracts, and inquiry of mortgage tax return information, etc.

Ping An Bank

Provide care policies for medical staff on the front line of medical care, customers infected with new coronavirus pneumonia, and Hubei customers whose repayments have been delayed due to epidemic control. If such customers repay due to this reason, If your payment is affected, you can provide feedback through the online customer service of the Ping An Pocket Bank App, the service hotline 95511 to 2/3, or to the local branch. Ping An Bank will appropriately extend the repayment, reduce or exempt interest fees, and provide credit protection according to the customer's situation.

Guangfa Bank

For those who are inconvenient to repay due to the epidemic or who have temporarily lost their source of income, Guangfa Bank has urgently formulated relevant measures and provided special caring services, including: interest and fees Reduction or exemption, delayed repayment, installment repayment, etc. During the epidemic period, if the credit card overdraft of the above-mentioned customers is overdue, the repayment period can be reasonably extended, and it will not be regarded as a breach of contract for the time being. They will not be included in the list of defaulting customers and will not affect their personal credit records.

If medical staff, government workers involved in epidemic prevention and control, and those who have temporarily lost their source of income due to the epidemic have difficulties in repaying due to the epidemic, they can proactively call 95508 for consultation and registration.

CITIC Bank

A certain repayment grace will be granted to personal loan customers who have lost their source of income in the short term due to the epidemic. Medical staff involved in epidemic prevention and control and those who are quarantined due to illness will be given a certain repayment grace. Overdue loans will not be included in the overdue credit report, and no overdue penalty interest will be charged.

For loans in industries such as wholesale and retail, accommodation and catering, logistics and transportation, cultural tourism, car sales, and commercial properties that have been greatly affected by the epidemic, we will proactively provide a grace period for repayment to qualified customers.

China Everbright Bank

Specially provides mortgage-free, guarantee-free personal credit loans with a maximum limit of 300,000 yuan for medical staff and their immediate family members who are fighting on the front lines of Wuhan's fight against the epidemic. All Enjoy preferential loan interest rates. Overdue personal loans and credit card overdrafts incurred by these medical staff during the epidemic prevention period will not be regarded as breach of contract, will not be included in the list of defaulting customers, will not affect their personal credit, and their credit cards will be free of annual fees for life.

It is easy to confirm the information of medical staff, government workers, patients and other personnel involved in epidemic prevention and control. However, most banks have not yet given specific certification methods for how to confirm the income of people affected by the epidemic. If you really do not have the ability to repay, you may wish to call the customer service hotline of your loan bank to apply in advance or learn about the latest regulations in a timely manner.

Shanghai Pudong Development Bank

Proactively strengthen service docking and actively meet reasonable financing needs in health and epidemic prevention, pharmaceutical product manufacturing and procurement, public health infrastructure construction, scientific research and other aspects. In accordance with the principle of handling special matters and handling urgent matters urgently, we will effectively improve the efficiency of business processing related to the fight against the epidemic and provide high-quality and efficient comprehensive financial services for epidemic prevention and control.

For personal loan customers who have been verified to have temporarily lost their source of income due to the epidemic, we will reasonably adopt methods such as "adjusting repayment plans and strengthening loan renewal support" to ease customers' repayment pressure; we will not refuse to accept customers due to the epidemic. Loan applications; objection applications raised by customers due to overdue loans affecting personal credit due to the epidemic will be handled accordingly in accordance with the guiding requirements of the Credit Information Center of the People's Bank of China; the interest rates of some personal loan products will be moderately reduced.

Medical workers and government workers participating in epidemic prevention and control have inconvenience in repayment, as well as credit card customers who have temporarily lost their source of income due to the impact of the epidemic, the repayment deadline shall be reasonably postponed.

For industries such as wholesale and retail, accommodation and catering, logistics and transportation, and cultural tourism that have been greatly affected by the epidemic, as well as enterprises that have development prospects but are temporarily trapped, do not blindly withdraw loans, cut off loans, or suppress loans.

We will support relevant enterprises in overcoming the impact of the epidemic disaster by appropriately lowering loan interest rates, improving loan renewal policy arrangements, and increasing credit loans and medium- and long-term loans.

Hua Xia Bank

Carry out emergency arrangements for existing credit businesses in Hubei that are due to expire in the first and second quarters of 2020, and carry out automatic extensions and non-extensions in advance for companies whose liquidity is affected by epidemic prevention work. Principal repayment and loan renewal business.

Further reduce financing costs and reduce the pressure on production and operation of small and micro enterprises. On the basis of actively responding to the government's efforts to reduce the financing costs of small and micro enterprises, the loan interest rate has been further reduced for epidemic prevention and control enterprises, and various charges have been canceled in full to reduce costs and maintain production.

Increase flexible credit support to help small and micro enterprises avoid capital turnover difficulties. For qualified enterprises that need to urgently increase financing due to epidemic prevention and control, small credit loan support will be provided in accordance with the principle of simplicity, and the credit period will be extended in a timely manner to fully meet the enterprise's capital turnover needs.

Delay the repayment period and strengthen credit protection for distressed enterprises. For small and micro enterprises that have temporarily lost their source of income due to the impact of the epidemic, they can negotiate with customers to reasonably extend the repayment period, which will not be regarded as a default for the time being, and no penalty interest will be charged on newly overdue loans during this period.

For small and micro merchants and high-quality self-employed households in industries such as wholesale and retail, accommodation and catering, logistics and transportation, and cultural tourism that have been greatly affected by the epidemic, flexible use of loan extensions, loan renewals without principal repayment, etc. Loan products, and do a good job in renewing expired loans.

Delay the repayment period. The repayment period will be reasonably delayed for medical staff, military officers and soldiers, and government workers who participate in epidemic prevention and control, for patients and their families affected by isolation, and for those who have temporarily lost their source of income due to the epidemic.

The above is about how to apply for deferred credit card repayment during the epidemic? Relevant information on application methods for extension in 13 banks