The application process for suspending interest payments is relatively complicated and is mainly applicable to overdue credit cards. Users need to directly call the bank’s customer service hotline to indicate their overdue status and submit an application. Banks usually do not accept requests for suspension of interest payments when the payment is not overdue. It is recommended to contact the bank as soon as possible after the due date. The first communication may not be accepted immediately, but be patient, persist and may need to file a complaint. The content of the complaint should be consistent with the actual situation. The bank may respond within a few days after receiving the complaint, but the reply may still remain the same. At this time, it is necessary to take a firm stance and make it clear that it will continue to persist.

After the application is successful, although the interest suspension can suspend the interest, the overdue record will still have a negative impact on personal credit and may affect subsequent credit business. Therefore, even if an agreement is reached, the repayment plan needs to be negotiated in detail with the bank, a process that may take several months or even half a year. Be patient and determined when faced with potentially long-term negotiations and repayment arrangements.

In general, it is not easy to obtain a suspension of interest payments. It requires cardholders to proactively communicate, persist and cope with possible difficulties, and at the same time understand the possible credit impact it may bring.