Repayment can be negotiated.

1. First call 95588 customer service to explain the situation. The customer service will transfer the work order to the branch where you apply for the credit card. The branch will contact you to negotiate the repayment. You must have a better attitude and show your determination to repay. , generally there is a chance that the negotiation will be successful.

2. What are the methods of negotiating repayment:

1. You need to maintain a good attitude, because users are negotiating, not demanding. It is much better to have a good attitude. ;

2. You need to have the ability to repay, and you also need to make reasonable installment requests based on your own situation and the amount of debt you owe;

3. Don’t evade debts or collections. Don’t lose touch.

3. Does negotiated repayment have an impact on your credit report:

If you make a request for negotiated repayment to the bank after it is overdue, then the negative records of the previous overdue period have already been generated and Irrevocable, it will have a negative impact on your credit report; if you make a request for negotiated repayment to the bank before it is overdue and pay off the debt, it will not have an impact on your credit report. However, even if you pay off the negotiated debt, it will have a negative impact on the bank. In other words, you are still a dishonest user. When you apply for a loan in the future, the review will be more stringent and the chance of loan will be reduced.