When signing a loan contract with a lending institution, the user must make repayment according to the loan contract. As for whether the lending institution accepts the application for repayment through negotiation, this is the freedom of the lending institution, and the CBRC cannot interfere. Unless the lending institution violates the rules, it is useful for users to complain to the CBRC if they want to safeguard their legitimate rights and interests.

For example, in the case of a loan, if there is a delay or installment repayment, the user can choose one of them, so that the repayment pressure can also be repaid without causing overdue.

Does CBRC have regulations on credit card negotiation repayment?

The CBRC is mainly responsible for the management of banks and other financial institutions, and generally does not interfere with the repayment and loan of credit cards. Therefore, if you want to negotiate credit card repayment, you should go directly to the issuing bank, not to the CBRC.

Customers can call the issuing bank's customer service phone number and apply to the issuing bank's customer service staff through manual service channels, whether to repay in advance, apply for installment or postpone repayment. Of course, if there is a business outlet of the issuing bank nearby, you can also bring your ID card and credit card directly to the outlet to consult the staff.

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If the repayment is delayed, the bank will consider it as appropriate according to the information provided by the customer. If the customer's repayment ability is not a problem, it is likely to refuse. In the case of prepayment and installment repayment, banks will generally directly agree that customers can actually operate directly on online banking, mobile banking client or credit card app.

It is suggested that letters and visits should be made in written form, and unreasonable behaviors of banks should be listed in detail, with relevant evidence attached, and mailed to the Banking Insurance Supervision Branch where the credit card headquarters is located, requesting the Banking Insurance Supervision Branch to intervene and coordinate, and urging banks to solve the cardholder's debt problem by stages through consultation.

After receiving the complaint, the Banking Supervision Branch will feed back the situation to the bank so that the bank and the cardholder can negotiate. If negotiation fails again, a second complaint can be made. Remember to list the unreasonable requirements of the bank and set a reasonable number of stages for yourself. The Banking Supervision Bureau will intervene to coordinate the stages between cardholders and banks.

12378 Can we negotiate repayment?

The telephone number 12378 is the telephone number of China Banking Regulatory Commission, which can help cardholders to apply for installment negotiation with banks. Generally speaking, after the credit card is overdue, as long as the cardholder has the repayment ability, he will hope to reach an agreement with the bank to negotiate repayment by installments, because after reaching an agreement, he can reduce his own liquidated damages and interest, and the repayment pressure can also be alleviated.

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How to negotiate repayment

1, the borrower must first have a sincere attitude and actively communicate and negotiate with the bank to explain his personal economic situation;

2. The lender should communicate with the bank by phone as much as possible, and it is best to conduct face-to-face consultations, and explain the bank's convincing reasons, so that the bank can give the individual a little more grace period, and the borrower can repay part of the overdue fine first.

3. Pay some money back to the bank every month. Lenders should have a good attitude and don't change their phone numbers and addresses.