Personally, don't take the initiative to find a bank, you are now a black household. Negotiation without negotiation is of little significance. Besides, what is your overdue amount now? Don't worry if the amount is not high. Let the bank entrust a third party to find you, and you won't agree to negotiate with the bank. Unless you can provide proof of low income or no income, the bank will not care about you. Otherwise it won't work.

Most banks are not so easy to compromise, so they tried to communicate with banks in the early stage and expressed a strong willingness to repay, but the difficulties have not yet arrived. If there is no result, you need to use some external forces. You can complain directly to the China Banking Regulatory Commission, hotline 12378, but personally, it can play some good roles for some commercial banks, but if it is state-owned, it will not have much deterrent effect.

Let's first analyze the reasons why the bank does not agree to negotiate.

Credit card is a product convenient for customers to consume. You can enjoy an interest-free period of more than 50 days at the longest, which is very convenient for our daily consumption. However, in reality, many people overdraw their consumption for various reasons, which leads to their inability to repay and overdue. In fact, I signed an agreement with the bank when I applied for the card. You can't tx, you can't do illegal things with your credit card, you have to repay before the final repayment date, and so on. But many people haven't read it carefully. When you are unable to repay the loan after the deadline, it is a unilateral breach of contract. At this time, you will definitely not agree to go to the bank for negotiation. Because this is a matter of principle, if the bank agrees to negotiate with you, it proves that the bank can easily make concessions, which will lead to more overdue people.

Another point is the issue of profitability. After the credit card is overdue, there will be liquidated damages and interest. If we negotiate to reduce the liquidated damages and interest at this time, it is equivalent to reducing some sources of income, and you will definitely not agree. Some people will say that there is no need for relief, and it is enough to negotiate a cessation period. Why doesn't the bank agree to this? It's actually quite understandable. For example, if you borrow 65,438,000 yuan and pay it back in 60 installments, it will take five years. It seems that the bank has not lost money, but if the bank recovers 654.38 million yuan and does other things, the profit will not stop there. Some people may say that 100 thousand yuan is nothing and has little impact, but the base is large and there are many overdue people in the country, which leads to the root cause of not consulting you.

So, what can be done to completely solve the overdue problem?

In fact, many people don't know that according to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, under special circumstances, if it is confirmed that the amount of credit card arrears exceeds the cardholder's repayment ability and the cardholder still has the willingness to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years.

The contents of personalized installment repayment agreement shall at least include:

(a) the balance, structure and currency of the arrears;

(2) the repayment period, method, currency, date and repayment amount of each installment;

(three) whether to charge annual fees, interest and other fees during the repayment period;

(4) The cardholder shall not apply for a credit card from any bank before all the funds related to the personalized installment repayment agreement are settled;

(five) the rights and obligations of both parties and the liability for breach of contract;

(6) Other matters related to repayment.

If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing service institution shall stop the collection of the cardholder, except that the cardholder fails to perform the installment repayment agreement. If an oral repayment agreement is reached, the issuing bank must keep the recorded data. Records shall be kept at least until the date of settlement of arrears.

In fact, this provision is not particularly clear, resulting in many people unable to negotiate successfully. We can see that if we want to repay by installments, we must achieve three points:

1, special case

2. Confirm that the credit card repayment amount exceeds the cardholder's ability.

3. The cardholder has the willingness to repay.

Many people fail to negotiate because they can't let the bank recognize that you have done these three things. As long as you find the right way, you can still stop paying by installment and reduce the pressure.

If you want to apply for installment repayment after the deadline, you should understand the following three questions.

First: the bank will not consider the overdue you are willing to cause, and the purpose of the bank is to ask for full repayment.

Second: if the bank thinks that it is overdue, it is a breach of contract and is not trustworthy. Why do banks believe that you can be trusted after staging?

Third: banks are profit-oriented. After the deadline, there will be liquidated damages and penalty interest. Either you can pay off in one lump sum, and the bank can naturally recover the arrears, or you continue to be overdue, and the final expenses will still be borne by the cardholder. To put it bluntly, it directly infringes on the interests of banks in stages. Can he agree?

Therefore, it is difficult for individuals to negotiate the installment, or it is difficult for cardholders to issue all kinds of certificates that you can't open at all. You guessed it.

If you want to realize interest-free installment repayment after the deadline, you must achieve your goal legally and reasonably through legal channels.

I'm Xiao Gan, a professional, doing professional things so that you won't get lost in debt.

There is no way to disagree, pay more attention in the future, and it will never be overdue again. It is advantageous to be overdue once and always three times.

Prepare enough materials for yourself first, which can be viewed in my works.

Well, since you don't agree, you don't have to stick a hot face on a cold ass.

You wait for the bank to negotiate with you. Isn't it delicious?

What you should do is to make money and save money.

Where there is money, there is capital for negotiation.

Deal with it with a good attitude. It's not that you can't pay it back, nor that you can't pay it back. After a long time, the bank will consult with you to solve it.

I'm glad to answer your question.

What friends who are seriously overdue want to do most, and the way to minimize the pressure, is to stop paying the bill. Let's explain this problem below.

1. What is a stop-loss account?

Suspending the account means that when the person whose credit card is overdue is temporarily unable to repay, the issuing bank will reach an agreement with the cardholder to repay by installments.

Annual fee, interest and liquidated damages will no longer be generated in the installment process, but the original interest and liquidated damages will not be reduced and will still be repaid together with the owed principal.

The advantages of stopping interest payment are to stop interest payment, stop collection, avoid being sued, and reduce the repayment pressure of debtors. The disadvantage is that your credit will be overdue, and this credit card can't be used after it is paid off.

Second, the conditions for stopping interest payment.

According to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, under special circumstances, if it is confirmed that the credit card debt exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. It can be seen that a credit card must meet three conditions:

1. There must be special circumstances: the cardholder should give reasonable reasons to the bank, such as failure to repay on the repayment date, unemployment or illness due to external factors, etc.

2. Make sure that the credit card debt exceeds the cardholder's repayment ability: You must be able to prove that you can't repay on time because of insufficient financial strength. For example, you owe 50 thousand, but your monthly income is only 3000. This is obviously a manifestation of debt exceeding solvency.

3. Cardholders should be willing to repay: they should actively communicate with the bank, and never change their contact information and home address to avoid bank collection. Because you can only negotiate with the bank if you are willing to repay.

Cardholders who meet the above conditions can directly call the customer service phone of the issuing bank to explain to the customer service that they are not maliciously overdue, and tell themselves the reasons why the credit card has not been repaid, and then they have to be approved by the bank. As long as the bank recognizes your reasons, stopping interest payment is half the battle.

Three. Precautions for suspending account holding

1. Not everyone can stop paying credit cards. If the credit card is seriously overdue and the amount is large, the cardholder can negotiate with the bank to apply for stopping the payment of the credit card. There is no such thing as stopping payment before the credit card expires.

2. Banks will not stop paying bills easily. At this time, the best way is to continue negotiations. You can submit proof of income, proof of arrears from multiple platforms, proof of unemployment, proof of illness, etc. Go to the bank Submitting these evidences can at least convince the bank that you are not refusing to pay back, but that you really have no money to pay back.

3、? Be sure to answer the phone during the overdue period, and it is best to have a certain repayment amount every month to prove the willingness to repay and prevent it from being judged as malicious overdue.

4、? If the conditions are met, the bank still refuses to stop paying interest, and can complain to the CBRC or the third-party complaint platform.

Banks and outsourcing companies will stop the collection of cardholders after the suspension of payment, but during this period, cardholders must repay according to the installment repayment agreement. If they don't pay back, they will be collected and may be sentenced for maliciously overdrawing their credit cards.

I hope my answer can help you.

run away

Don't expect 90 days. Malicious overdue credit cards can be arrested with the approval of the court.