Affected by the epidemic, the time for ICBC credit card review has been extended.

If the credit card has a grace period, the grace period is generally 1-3 days, and the user can postpone repayment for 1-3 days. If you need to apply for the grace period by yourself, users should contact the bank actively and apply for the grace period of the current month before the repayment date. If the repayment cannot be made on time due to special reasons, if it is necessary to extend the repayment period, it is necessary to submit relevant certificates and apply to the bank for negotiation repayment.

The agreed repayment will stipulate another repayment time and amount, and the user needs to complete the repayment within the agreed time.

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

If you apply for credit card deferred repayment during the epidemic prevention and control period, you can call the bank's service hotline in advance, and the customer service staff will register the information and then hand it over to the background department for follow-up processing. Notice on Further Strengthening Financial Support to Prevent and Control novel coronavirus

For those hospitalized or isolated people with new pneumonia, those who need isolated observers for epidemic prevention and control, those who have temporarily lost their livelihood due to the epidemic, financial institutions should appropriately tilt their credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgage and credit card, and reasonably postpone the repayment period. Personal business guarantee loans infected with new pneumonia can be extended for one year and continue to enjoy financial discount support. Financial institutions should give priority to customers infected with new pneumonia or damaged by the epidemic, appropriately expand the scope of responsibility and make full compensation.

Two, during the epidemic, financial institutions on the grounds that the epidemic has affected the operation of enterprises, early termination of financial loan contracts, stop or delay the issuance of loans, early recovery of loans, how to deal with?

The Zhejiang Leading Group for Prevention and Control of Pneumonia in novel coronavirus issued the Opinions of the Zhejiang Leading Group for Prevention and Control of Pneumonia in novel coronavirus on Supporting Small and Micro Enterprises to tide over the difficulties, explicitly requiring financial institutions not to blindly borrow, cut off or suppress loans, and give assistance to small and micro enterprises facing repayment difficulties due to the epidemic, such as extension, renewal of loans and reduction of expected interest, and properly arrange repayment plans until the "first-level response" is lifted. Therefore, during the epidemic prevention and control period, the repayment period agreed in the financial loan contract has not expired, and there are no other statutory and agreed reasons. If a financial institution files a lawsuit to terminate the contract, it shall not support it; If a financial institution recovers the loan in advance or delays the delivery of the loan, the borrower may require the financial institution to continue to perform the contract and bear the liability for breach of contract.

Can the epidemic credit card delay repayment? These conditions need to be met.

; In 2020, affected by the epidemic, provinces and cities will extend the resumption time to February 10. Although the Spring Festival holiday is 10 days, many card friends are worried that the lack of income at home will affect the credit card repayment, and want to know whether they can postpone the repayment under special circumstances. Let's have a look.

Can the 2020 epidemic credit card delay repayment?

On February 1 day, the People's Bank of China and the Ministry of Finance issued a notice, demanding that the people who temporarily lost their livelihood due to the epidemic should be appropriately inclined in the credit policy, flexibly adjust the repayment arrangements of personal credit such as housing mortgage and credit card, and reasonably postpone the repayment period.

As soon as the notice came out, a number of banks immediately introduced relevant policies, but some banks did not move. Here, we consulted the WeChat online customer service of several bank credit cards and sorted out their responses to the delayed repayment of credit cards affected by the epidemic. You can refer to it and see if you meet the requirements.

Agricultural Bank:

Provide deferred repayment and interest rate adjustment services for Hubei card-issuing bank customers, customers in special industries and industries affected by the epidemic, and other customers who cannot repay normally due to the epidemic. During this period, we will not charge overdue interest, and we will not record default. If necessary, you can call our credit card customer service hotline 4006695599 to apply.

ICBC:

For medical staff, staff, confirmed patients and suspected persons involved in epidemic prevention and control, and their spouses, if the credit card arrears in our bank are overdue due to inconvenience during the epidemic period, it will not be considered as a breach of contract and will not be included in the default customer list. If you are the above personnel, you can contact 95588 artificial service to apply.

China CITIC Bank:

Provide care services for all medical staff who are fighting in the front line and customers who are inconvenient to move because of epidemic control in Hubei. If such customers need emergency cards, repayment delay, interest expense reduction, etc. , they can call our 24-hour customer service hotline 400889558 to apply. We will make appropriate arrangements according to the actual situation of customers.

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How to apply for deferred repayment of epidemic credit card? 13 bank extension application method

Affected by the novel coronavirus epidemic, many people were isolated at home and lost their sources of income. According to the notice of China Banking Regulatory Commission, major banks have launched credit card deferred repayment services. So how to apply for credit card deferred repayment in the epidemic? Let's follow Cai Nujun to learn about the extension application method of 13 Bank.

How to apply for deferred repayment of epidemic credit card?

The central bank made it clear in the notice that financial institutions should appropriately tilt their credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgages and credit cards, and reasonably delay the repayment period for those who are hospitalized or isolated due to new pneumonia, those who need to be isolated for observation due to the epidemic, those who participate in epidemic prevention and control, and those who temporarily lose their sources of income due to the epidemic.

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

Bank of China

Loans overdue, an individual who participates in epidemic prevention and control, is not regarded as violating the rules, and the grace period for repayment of personal loans in Hubei is extended to 1 1 day. For those who have temporarily lost their sources of income due to the Hubei epidemic, they can be given a 3-6 month delay in repayment according to the actual situation;

For medical personnel, government workers, confirmed patients, suspected persons and their spouses who are involved in epidemic prevention and control, personal loans and credit card overdrafts at Bank of China, Bank of China, Fu Deng Rural Bank and Bank of China Consumer Finance Co., Ltd. are overdue during the epidemic period, and the repayment period is extended, which is not considered as a breach of contract and is not included in the overdue personal credit record.

Industrial and Commercial Bank of China

Any medical staff and staff involved in epidemic prevention and control, as well as confirmed patients and suspected persons and their spouses, whose personal loans and credit cards overdrawn at ICBC during the epidemic period are overdue due to inconvenient repayment, are not considered as breach of contract and will not be included in the list of default customers.

agricultural bank

For customers who have temporarily lost their sources of income due to the epidemic, we will flexibly adjust the repayment arrangements of personal credit such as housing mortgage, credit card and agricultural loan, and reasonably postpone the repayment time.

Under the premise of complying with laws, regulations and regulatory provisions, if the personal loans and credit card overdrafts of the staff involved in epidemic prevention and control are overdue during the epidemic period, they will not be regarded as breach of contract for the time being, and will not be included in the list of defaulting customers, and no penalty interest will be charged.

Other personal loans, credit card overdrafts and farmers' loans overdue caused by epidemic and non-personal subjective reasons are not regarded as breach of contract, and are not included in the list of defaulting customers, and no penalty interest is charged.

China construction bank

Medical staff and government workers involved in epidemic prevention and control, whose personal loans and credit card overdrafts in CCB are overdue during the epidemic period, are not regarded as breach of contract and do not enter the default customer list.

Enterprises suffering from temporary difficulties due to the epidemic will be given full support through credit restructuring and reduction of overdue interest according to actual conditions.

Bank of Communications

For the staff involved in epidemic prevention and control, personal loans and credit card overdrafts in Bank of Communications during the epidemic period are overdue, which is not considered as a breach of contract and does not enter the list of defaulting customers.

According to the actual situation, enterprises affected by the epidemic have temporary difficulties in operating, and support the normal operation of enterprises by extending the repayment period, reducing overdue interest, renewing loans and restructuring credit.

Postal Savings Bank

For medical personnel, government workers, novel coronavirus-infected persons and isolated personnel involved in epidemic prevention and control, overdue due to inconvenient repayment during the epidemic period will not be regarded as a breach of contract for the time being, and will not enter the list of defaulting customers, and the overdue interest and penalty interest will be reduced and exempted, and credit information will be provided for repair.

For those who temporarily lose their source of livelihood due to the epidemic, timely adjust the repayment arrangements of personal credit such as housing mortgage and credit card, and reasonably postpone the repayment period.

China Merchants Bank

China Merchants Bank will adopt the policy of "one household, one policy", and help enterprises overcome the impact of epidemic disasters and tide over the difficulties with enterprises through various measures such as actively issuing loans, reducing penalty interest and protecting credit information.

Credit cards and personal loans: China Merchants Bank App supports online fee-free repayment of credit cards of banks. China Merchants Bank App "My Loan" supports online applications such as repayment bill, settlement certificate, copy of property right certificate, copy of house purchase contract, and mortgage tax return information inquiry.

Ping An Bank

Provide care policies for medical staff in the front line, customers infected with novel coronavirus, and customers with delayed repayment due to epidemic control in Hubei. If the repayment of such customers is affected by this, they can give feedback to the local branch through the online customer service hotline 955 1 1 of Ping An Pocket Bank App, and Ping An Bank will appropriately delay repayment, reduce interest charges and provide credit guarantee according to the customer's situation.

Guangdong Development Bank

In view of the people who are inconvenient to repay and temporarily lose their income sources due to the epidemic, Guangfa Bank has urgently formulated relevant measures to provide special care services, including: interest fee reduction, deferred 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, which will not be regarded as a breach of contract for the time being, and will not enter the list of defaulting customers, which will not affect personal credit records.

Medical staff, government workers involved in epidemic prevention and control, and those who have temporarily lost their livelihood due to the epidemic can take the initiative to call 95508 for consultation and registration.

China Citic Bank

Personal loan customers who have lost their income sources for a short time due to the epidemic will be given a certain grace period for repayment. Overdue loans to medical staff and people isolated due to illness who participate in epidemic prevention and control will not be included in overdue credit information and will not be charged with overdue penalty interest.

For loans in wholesale and retail, accommodation and catering, logistics and transportation, cultural tourism, automobile sales, commercial property and other industries that are greatly affected by the epidemic, eligible customers are given a grace period for repayment.

Everbright Bank

In particular, it provides personal credit loans with a maximum amount of 300,000 yuan for medical staff and their immediate family members who are fighting against the epidemic in Wuhan, and all enjoy preferential loan interest rates without mortgage and guarantee. Personal loans overdue and credit card overdraft of these medical staff during epidemic prevention are not considered as breach of contract, and they will not enter the default customer list, which will not affect their personal credit information, and their credit cards will be free of annual fees for life.

The information of medical staff, government workers, patients and other personnel involved in epidemic prevention and control is easy to confirm, but most banks have not given specific authentication methods on how to confirm the income of people affected by the epidemic. If you really have no repayment ability, you may wish to call the customer service hotline of your loan bank to apply in advance or keep abreast of the latest regulations.

Shanghai Pudong Development Bank

Actively strengthen service docking and actively meet the reasonable financing needs in health and epidemic prevention, pharmaceutical product manufacturing and procurement, public health infrastructure construction and scientific research. In accordance with the principle of special handling and emergency handling, we will effectively improve the handling efficiency of epidemic-related businesses and provide high-quality and efficient comprehensive financial services for epidemic prevention and control.

For individual loan customers who have temporarily lost their income sources due to the epidemic, reasonable measures such as "adjusting repayment plan and strengthening loan renewal support" should be taken to reduce the repayment pressure of customers; Don't refuse to accept customers' loan applications because of the epidemic; The customer's objection application that loans overdue affected personal credit information due to this epidemic will be handled according to the guidance requirements of the Credit Information Center of the People's Bank of China; Moderately reduce the interest rate of some personal loan products.

Medical staff and government workers involved in epidemic prevention and control will reasonably delay the repayment period for credit card customers who have temporarily lost their income sources due to inconvenience in repayment and the epidemic.

For wholesale and retail, accommodation and catering, logistics and transportation, cultural tourism and other industries that are greatly affected by the epidemic, as well as enterprises with development prospects but temporarily trapped, we will not blindly draw loans, cut off loans, and suppress loans.

By appropriately reducing the loan interest rate, improving the loan extension policy arrangement, increasing credit loans and medium and long-term loans, we will support related enterprises to overcome the impact of epidemic disasters.

Huaxia Bank

Make emergency arrangements for the stock credit business due in the first and second quarters of 2020 in Hubei, and automatically extend the loan renewal for enterprises whose liquidity is affected by epidemic prevention work without prepayment.

Further reduce financing costs and reduce the pressure on the production and operation of small and micro enterprises. On the basis of actively responding to the government to reduce the financing cost of small and micro enterprises, we will further reduce the loan interest rate for epidemic prevention and control enterprises, cancel all fees in full, reduce costs and ensure production.

Increase flexible credit support and protect the capital turnover of small and micro enterprises. For qualified enterprises that urgently need to increase financing due to epidemic prevention and control, we will provide micro-credit loan support in accordance with the principle of simplicity, extend the credit period in a timely manner, and fully meet the capital turnover needs of enterprises.

Delay the repayment period and strengthen the credit protection for the trapped enterprises. For small and micro enterprises that temporarily lose their income sources due to the epidemic, they can negotiate with customers to extend the repayment period reasonably, which will not be regarded as a breach of contract for the time being, and there will be no penalty interest for adding overdue loans during this period.

For small and micro businesses and high-quality self-employed individuals in wholesale and retail, accommodation and catering, logistics and transportation, cultural tourism and other industries that are greatly affected by the epidemic, we will flexibly use small and micro loan products such as loan extension and non-repayment of loans at maturity to renew loans.

Delay the repayment period. For medical personnel, army officers and soldiers, government workers who participated in the epidemic prevention and control, for patients affected by isolation and their families, and for those who temporarily lost their income due to the epidemic, the repayment period was reasonably delayed.

The above is about the epidemic. How to apply for credit card deferred repayment? 13 bank extension application method