In modern society, with the constant change of people's consumption concept, advanced consumption tools such as credit cards have become payment tools used by many people. Credit cards not only allow us to "spend first, then repay", but also enjoy many wool preferential activities, such as cash back by credit card, gas concessions, and the rights and interests of the VIP room of the airport high-speed rail. However, some users with weak self-control ability will have some irrational consumption behaviors, which will lead to the inability to pay off debts before the bill date comes. So what if the credit card runs out of money? How to negotiate repayment with the bank?

How can a credit card solve the problem without money?

First of all, we should contact the issuing bank in time, sincerely show our economic situation to the bank and put forward the willingness to repay. Don't think that avoiding repayment can solve the problem. On the contrary, it will only make the problem worse. If the bank refuses to repay after repeated collection, the bank has the right to take it to court. At that time, the borrower may face jail time, and even his family will be implicated.

Secondly, we should understand the bank's repayment policy. Different banks have different repayment policies and need to know in advance. Most credit cards have a certain grace period, that is, 1~3 days after the repayment date. If it is not repaid on the repayment date, the minimum amount is enough as long as it does not exceed the grace period. When negotiating repayment, you should truthfully report your financial situation to the bank so that the bank can determine the most suitable repayment plan. If it involves some special policies, such as interest-free period, reduction and exemption, etc. It is also necessary to know clearly in advance.

If it is really impossible to pay off the debt in one lump sum, you can ask the bank for repayment by installments. Repayment by installment can not only disperse the repayment pressure, but also help you plan your repayment plan and avoid repayment again. In addition, you can also try to provide collateral and let the bank help pay part of the arrears. If you have some valuable collateral, such as real estate, vehicles, etc. You can provide it to the bank and ask it to help you pay off some of your debts. We should pay attention to this practice, and we must sign an agreement with the bank to ensure that our rights and interests are not harmed.

In short, credit card arrears are not insoluble. As long as we actively face the problem and communicate with the bank, we will certainly find a solution.