The official card provides a lot of convenience for the civil servants, but the cousin has recently been sad, and he has encountered great difficulties in handling the mortgage because of the official card. My cousin works in a municipal unit,

The official card provides a lot of convenience for the civil servants, but the cousin has recently been sad, and he has encountered great difficulties in handling the mortgage because of the official card.

The cousin works in a municipal unit, just went to work, the process will not be so strict, go out to the office with cash advance, come back as long as you can provide invoices can be reimbursed.

However, later, the unit uniformly handled the official card, and then carried out official activities such as business trips, and then needed to go from the official card, take the invoice and the official card consumption record and report it to the office software to take the process to smoothly reimburse.

After the cousin obtained the card, he carried out several official activities, each time costing hundreds to thousands. Because I basically don't use this card when I work, I didn't pay much attention to it, and I didn't find out that there was a problem until I went to the bank some time ago to do business.

The cousin needs to go to the bank to apply for a loan to buy a house, but the bank says that the cousin's credit card is overdue and difficult to approve, even if it can be approved, the interest rate will rise to a certain extent.

This makes the cousin very strange, he never uses a credit card, where is the overdue? Later, the inquiry found that it was the reason for the official card, and the record showed that his official card had been overdue three times, and it turned out that the slow processing speed of the financial department of the unit caused the occurrence of the problem.

The cousin was very aggrieved, felt that he did not have subjective malice, and did not expect to be taken off by the unit to do things for the public. So the cousin found the finance department, and under a period of negotiation, the finance department issued a statement, proving that the repayment was not due to the slow processing process of the busy business.

However, the bank does not recognize this, according to the regulations, as long as there is an overdue record, it will be affected, and the objective reasons are of little reference significance. My cousin still couldn't figure it out and felt that he was hurt by the unit.

I think my cousin himself and the unit are very responsible for this matter. The unit first failed to fulfill the obligation to inform, many people have not done credit cards, do not know the necessity of timely repayment and the harm of overdue.

Secondly, as an adult, you should be responsible for your own credibility, that is, the money should indeed be repaid by the unit, but if it is not repaid on the repayment date, the most important thing to do is to pay it back first, and then urge the unit to handle it, after all, it affects yourself.

In addition, if the unit cannot repay the payment on time, there should be a special person to notify the employee to advance the payment, otherwise the employee who encounters the nerve bar feels that the application is submitted and is finished, and the credit impact caused by this is difficult to eliminate in the short term. #Civil Servant# #Workplace#

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