1. How to stop overdue installment of credit cards?

First, go directly to the issuing bank and apply to the relevant staff. After the credit card is overdue, you can go directly to the issuing bank to negotiate with the relevant staff, indicating that you want to stop staging. In the negotiation process, we should pay attention to ways and means to show that we are willing to take the initiative to repay, otherwise the bank will usually not agree to the debtor's request.

Second, put forward your own demands through online consultation with the customer service phone on the credit card. Secondly, in addition to the above methods, friends with overdue credit cards can also apply for stopping installment through online consultation. At present, most credit cards have service telephone numbers, and users can also handle them directly in this way.

Cardholders should pay attention to the fact that the bank does provide personalized installment service after the credit card expires. However, not all overdue people can apply successfully, and cardholders must maintain a good repayment attitude and willingness in the process of being collected. In the process of negotiation, the way to pay attention is to make it clear to the bank that we have a good willingness to repay, but our ability is insufficient now.

Cardholders need to take the initiative to apply to the bank. For each overdue day, banks can charge an extra penalty for one day, and most banks will not take the initiative to negotiate with cardholders for installment repayment.

In addition, if the cardholder is overdue due to some objective factors of a third party, according to the regulations, the bank needs to agree to the cardholder's personalized installment negotiation repayment request on the premise of meeting the requirements. The so-called third-party objective factors actually refer to bankruptcy, business failure, family treatment and so on. It is difficult for banks to negotiate without special reasons.

After successful staging, the specific number of staging is related to the applicant's situation. The poorer the staging, the longer the staging time. Some people are divided into 60 installments, and suddenly they have money in the middle, so they can pay it back in advance.

Second, what if the bank credit card is not used?

Bank credit cards are no longer used, and users can cancel their cards or accounts. Card cancellation is the cancellation of a single credit card. When a user only has a credit card in the name of a bank, he can apply for cancellation of the card or account. When a user has more than one credit card under the name of a bank, the user can only return the card, and all the credit cards will be cancelled when the account is closed.

So instead of using a bank credit card, users can only cancel their business. After the cancellation is completed, the credit card will not charge any fees.

Credit cards cannot be refunded directly. Credit card cash transfer can only be transferred to debit card. After the funds are transferred to debit card, users can use it to pay back another credit card. Because credit card withdrawal needs to pay a certain amount of interest and withdrawal fee, it is not cost-effective to repay the credit card with a credit card, and once it is impossible to withdraw cash, there will be a risk of overdue.