Contact the customer service of Shanghai Pudong Development Bank by phone, tell the other party about their repayment problems, and show their willingness to apply for repayment negotiation, just wait for the other party's reply. When negotiating repayment, you can apply for an extension of repayment period and installment repayment, and you can also try to apply for suspension of payment. As for which one to choose, you can do it according to your own situation.
unless there are special circumstances, it is impossible for the bank to promise to repay only the principal, so we can only discuss how to repay the principal and interest separately on a regular basis. Pay back part of it first, not too much, so that the bank can feel sincere. During the negotiation, it is suggested to record it as evidence. It should be noted that even after the negotiation is successful, even if each installment is repaid normally, it will still be reflected in the credit information, which needs to be well planned. You can pay it off at one time, but you need to communicate with the bank in advance and let the bank assist in handling the credit problem.
when a user finds that his credit card is overdue, no matter how long it is overdue, he will pay back the overdue principal and the generated interest as soon as possible. If the overdue time is not long, about a week, then the user has the opportunity to remedy it. Because banks report information to the central bank's credit information system every once in a while. Therefore, if it is overdue for one week, the overdue record of the user may only be in the bank system and has not been reported for the time being. Therefore, at this time, the user actively explained his situation to the bank, indicating that it was not a malicious arrears, but a temporary negligence that caused the overdue. In this way, after the bank verifies the situation, it may not be reported to the central bank's credit information system. If users find themselves overdue for a long time, then in this case, banks have generally reported to the central bank's personal credit information system. At this time, this information in the central bank's credit information system cannot be tampered with or erased. After the user pays off the arrears, he can only wait for 5 years before it will be automatically eliminated. Therefore, even if this situation is reported to the central bank's credit information system, users need to repay in time, otherwise the credit information stain will always exist.
the method to prevent overdue credit cards is to set repayment reminders. Nowadays, many online banking or third-party payment tools have the function of repayment reminder. Therefore, in order to prevent themselves from overdue, users had better set repayment reminders. Set up automatic repayment. If users have already opened online banking, they can log in to their online banking accounts and set up automatic repayment. In this way, we just need to ensure that the automatic repayment account has sufficient funds. On the repayment date, the bank will automatically deduct the funds in the corresponding account, so there is no need to worry about the overdue situation.
the consequences of overdue credit cards are: liquidated damages, usually the minimum repayment amount, 5% of the unpaid part. High interest, and it is a rolling interest, and interest is very scary when there are many debts. Overdue will stain the credit record, which will lead to the inability to handle financial needs such as buying a house and lending in the next two years. If it is overdue for more than 3 months, and the amount exceeds 1,, the bank has failed to make several reminders. At that time, it will not only pay back the money, but also bear criminal responsibility.