How to negotiate personalized installment repayment for overdue credit cards?
How to negotiate personalized installment repayment for overdue credit cards?
1. Calculate the installment repayment period that you can bear, and actively contact the other party to negotiate repayment.
In this step, you need to contact the issuing bank first to find out all the amount and interest you owe at present. If there is a fine, it must be counted! This is to understand your current arrears and calculate in advance how much the minimum repayment period can accept.
After the account is settled, take the initiative to tell the other party that it is necessary to negotiate repayment and let the bank negotiation department communicate by telephone. Then wait for the call from the bank.
2. Tell the other party that the negotiation is legitimate and legal.
When you receive a phone call, you must first confirm that the credit card exceeds the cardholder's repayment ability and the cardholder has the willingness to repay before you can negotiate with the bank on an equal footing.
3. In addition, remember to tell the other person about your current special situation, such as why you are willing to repay under special circumstances, but you can't repay all of them. If you let go of each other, you will ask for relevant certificates. Be sure to keep records and provide proof materials!
4. The bank agrees to negotiate repayment by installments and re-determine the repayment period and amount.
No matter how much time you can afford, you should talk about it in 60 stages. First of all, we should strive for the greatest expectation for ourselves.
After making it clear, you must remember to keep your own recording, which can be used as evidence in special circumstances.