这项政策即将截止！多家银行提示！

Core Viewpoint - The article emphasizes the importance of the one-time credit repair policy set to expire on March 31, 2026, encouraging borrowers to repay overdue debts to benefit from this policy [1][2]. Summary by Sections Credit Repair Conditions - The one-time credit repair policy applies to individuals with overdue credit information displayed in the central bank's credit system [2]. - Overdue information must have occurred between January 1, 2020, and December 31, 2025, with new overdue information in 2026 excluded [2]. - The overdue amount for a single instance must not exceed 10,000 yuan [2]. - Borrowers must fully repay overdue debts by March 31, 2026, including historical overdue amounts and current payments [2]. Implementation and Recommendations - All conditions must be met simultaneously for the credit repair to be effective, and the central bank's credit system will automatically identify and process eligible overdue information [3]. - Borrowers are advised to verify the principal, interest, and penalties with banks to ensure full repayment, as partial payments may lead to unsuccessful credit repair [3]. - After repayment, borrowers should confirm with financial institutions that funds have been successfully deducted and monitor the update progress of their credit reports through various channels [3]. Policy Impact and Warnings - The policy aims to alleviate the "once lost credit, lifetime restriction" dilemma, encouraging individuals to actively repay debts and rectify credit issues [3]. - It is noted that the policy is free and does not require application, but borrowers should be cautious of scams related to "credit washing" [4]. - The credit repair policy does not permanently delete overdue records but rather prevents them from being displayed, emphasizing the need for good borrowing habits [4]. - The policy targets non-malicious defaulters who actively repay debts, highlighting the necessity of strict conditions to prevent abuse [4].