blacklist problem Problems that credit card holders need to know ❗

Being in debt isn't a bad thing. If used for a reasonable benefit But, as you know, financial discipline is essential in managing debt. Whatever the reason, however, that causes the debt to escalate beyond control. from the first payment followed by the second Along with consoling himself that next time must be cleared But it's not as easy as you think. The stress began to creep in. until eventually had to be defeated The most heartbreaking outcome was blacklisted In addition to losing opportunities, it also loses credit. But there is always a solution. What must be done to deal with this problem?

📍Why are you blacklisted?

That said, there is a risk that the bank will not approve financial transactions for you. because your financial history is negative This is most often caused by refusing to pay off credit card debt. But you don't think you'll escape. Because all your data will be saved in the credit bureau.

Usually, if the debt repayment in the financial institution's system is delayed more than 90 days, there will be a notification letter to pay off the credit card debt. But you're still ignorant You may be blacklisted. Blacklisting will prevent you from conducting financial transactions such as making a new credit card.

📍 Blacklisted, what caused it?

If you're frightened of debt harassment over the phone telling you that you've been blacklisted for not paying your debts? Don't panic, it's illegal. to gather consciousness and re-understand that the word blacklist It is not listed on the credit report. but means The person has an unusual payment history. past the specified period and overdue for many periods As a result, when applying for a new loan and then not getting that approval from Financial institutions inspect the payment history from credit bureaus under the scope of law. to assess the situation whether it is appropriate to approve a loan or credit card If in the history found that there are frequent payment defaults That shows a lack of credibility. There is a very high chance that if the loan has been released, it will not be returned.

📍What you have to face after being blacklisted?

Not that there is no solution to recover credit back. What to do is Try to settle all existing debts. Because the credit bureau has a history of 36 months from the latest installment. As for the credit bureau report, it will be recorded from the first installment that is in default. and will show the result that the payment is overdue like this and so on with a scheduled trailer date and will continue to increase the number of days if no debt has been paid When the debt is settled, it will be offset against the oldest debt first. and reduce the number of days according to each debt payment period If debt repayment is made on time, a new record will be recorded in place of the old record that was previously lost. If you continue to do this for 3 years, your credit history will be reliable again.

📍7 ways to unlock Blister is not as difficult as you think.

1. Summary of all outstanding debts

from any financial institution What is the amount of debt and interest? How much do I have to pay per installment? will be able to prepare personal income and expenses appropriately Let's see which debts can be paid off quickly, then quickly clear them to the end. And debts that charge compound interest should be dealt with as quickly as possible.

2. Negotiate with financial institutions

in requesting an increase in the duration of debt repayment In order to restructure this because the financial institutions themselves do not want the debt that has been incurred to become bad debt.

3. Some properties that can be sold should decide to sell

such as a car in order to have a sum of money to pay off the debt Considered to reduce the burden of expenses reasonably. Even the sum of money, whether from the bonus money commission or other assets that can be converted into money Remember that everything can be found new. It is important not to cause trouble.

4. Don't make the same mistake a second time.

If this is an opportunity to make amends It should be made as promised. Payments should be made on time. and keep all documents because it can be submitted to the authorities to see To apply for a new loan after the blacklist has passed.

5. Stop creating more debt.

both in the process of repayment or paid in full Let your brain relax a bit. Let's review what we have to face in the past.

6. Check credit information

This can be checked at a national credit information company or credit bureau. in order to update the correct information which has to wait at least 3 years before being able to conduct financial transactions again

7. Try to maintain credit.

After dealing with all the outstanding problems It is therefore important to maintain credit from now on. In the future, there may be issues that require applying for a loan or applying for a credit card to use in times of need. As for any credit card that has a high probability of incurring additional debt, it should be closed. Only a few leaves are left.

Paying off debt after being blacklisted It was a tough test that was exhausting enough to overcome. Why do you have to find money to pay off debts? while other expenses await financial discipline Knowing how to save and save is important to help every spending to be more efficient. At any time, excessive cravings can be suppressed. Then it will be far from being in debt as well.

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