A credit card is overdue and risky. Different from online loans, credit cards can apply for personalized installment extension of 12-60 in the form of principal. The negotiation cycle is also relatively short. The suggestions are as follows: of course, these can be negotiated and communicated by themselves, and a personalized staging plan can be formulated. If you call customer service, the other party says they don't have this service? Sorry, sir, but you don't meet our requirements.

1. Tell the customer service staff of the bank that the overdue payment is only due to the recent shortage of funds, and there is no fraudulent compensation, and the repayment is promised.

Try to find irresistible reasons, such as unemployment, falling wages and other factors.

3. Explain that your overdue is a personal act and you have a strong willingness to repay. You can explain the actual situation to the bank and apply for installment. If successful, it can be divided into 60 phases at most. (If there is violence and pressure in the process of collection, you can collect evidence, complain and even sue).

Second, finally, after handling these, you must have your own repayment plan. This opportunity is only once. You should pay back the money as soon as possible. If it is overdue, no one can help you, and you will face the risk of being sued. If it is really impossible to negotiate, you can entrust a professional tripartite agency to handle this matter, but you must choose a good agency and keep your eyes open. Now the market is mixed, and many scammers take the opportunity to start. Don't fall into fraud because of anxiety, and make yourself worse.

Third, the so-called prosecution by banks or third-party collection agencies is likely to scare people. Litigation is very troublesome, and you can't finish it in one sentence. Generally, credit cards will remind you by SMS and then by phone. If it is overdue for a long time, the bank will call you internally to collect it. Let me tell you about the legal provisions and the overdue process of the bank. Finally, I will tell you that I will sue, give you a short repayment period and ask for full repayment.

At this time, if you are afraid, you will find a way to repay the loan yourself. If you really have no money to repay the loan, the bank will repeatedly urge you to outsource the collection task to a third-party collection agency. The more money they collect, the faster they get, and the more rebates they get, and they won't easily give you a reduction or installment repayment. At this time, if there is really no money, we should actively cooperate with the collection, record the improper words or illegal collection, and take the initiative to contact the bank to negotiate the installment. If not, you can also contact the bank's regulatory agency to complain, and sometimes you will receive different surprises. Of course, if you can't negotiate by yourself, you can also find a professional tripartite consultation.