Contact your bank branch
Posted: Wed Feb 19, 2025 4:59 am
Sometimes, to adjust the schedule of regular payments, you need to visit the branch of the bank where you received the loan. Thus, you may be invited to a personal interview with a bank employee and asked to write an application, as well as provide supporting documents, which we wrote about above. Do not forget to tell your manager when you plan to make the next regular payment, as this will increase the chances of a positive decision from the bank. You should not hide the real reasons why you temporarily found yourself in a difficult financial situation.
Call the call center
Finally, the fourth way you can change the date of a regular payment is to call the bank's hotline. The call center employee will clarify your details, the loan agreement number, and the new date to which germany mobile database you plan to postpone the loan payment. We recommend that you then log in to your personal account on the website and make sure that the date in the schedule has actually been updated. If you have connected the autopayment service, do not forget to change the date of automatic debiting of funds from the card.
In what cases can the bank refuse?
Let us emphasize once again: the final decision on postponing the payment date always remains with the lender. Even if such a possibility is provided for in the loan agreement, it is possible that the bank will still refuse the borrower. The most common reason for refusal is a bad CI and a low credit rating. Let us list the main factors that negatively affect the credit history.
Overdue payments on loans, credit cards and microloans in MFOs. Sometimes even a single delay in a loan payment for several days can ruin your credit history.
Frequent requests to financial institutions and refusals to grant loans.
High debt load.
Other debts: unpaid traffic fines, utility bills, non-payment of alimony.
Frequent changes of data: registration and residential addresses, place of work, phone number. Such clients look suspicious in the eyes of creditors, and the probability of refusal will be high.
The bank may refuse to change the payment date if the borrower cannot clearly justify the reason and provide documents that can confirm it. At the same time, disciplined borrowers in most cases should not worry. As we have already written, it is important for the bank that you repay the loan, and most likely, it will be willing to meet you halfway. Of course, if you do not abuse the trust and do not ask to defer the next loan payment every month.
Call the call center
Finally, the fourth way you can change the date of a regular payment is to call the bank's hotline. The call center employee will clarify your details, the loan agreement number, and the new date to which germany mobile database you plan to postpone the loan payment. We recommend that you then log in to your personal account on the website and make sure that the date in the schedule has actually been updated. If you have connected the autopayment service, do not forget to change the date of automatic debiting of funds from the card.
In what cases can the bank refuse?
Let us emphasize once again: the final decision on postponing the payment date always remains with the lender. Even if such a possibility is provided for in the loan agreement, it is possible that the bank will still refuse the borrower. The most common reason for refusal is a bad CI and a low credit rating. Let us list the main factors that negatively affect the credit history.
Overdue payments on loans, credit cards and microloans in MFOs. Sometimes even a single delay in a loan payment for several days can ruin your credit history.
Frequent requests to financial institutions and refusals to grant loans.
High debt load.
Other debts: unpaid traffic fines, utility bills, non-payment of alimony.
Frequent changes of data: registration and residential addresses, place of work, phone number. Such clients look suspicious in the eyes of creditors, and the probability of refusal will be high.
The bank may refuse to change the payment date if the borrower cannot clearly justify the reason and provide documents that can confirm it. At the same time, disciplined borrowers in most cases should not worry. As we have already written, it is important for the bank that you repay the loan, and most likely, it will be willing to meet you halfway. Of course, if you do not abuse the trust and do not ask to defer the next loan payment every month.