1. How to issue an unemployment certificate for an overdue credit card

1. You can contact the bank by phone to explain the reason. Generally, banks need to provide an unemployment certificate. We can issue an unemployment certificate at the community committee or work unit where we are located. Note that it must be a valid certificate with a stamp.

2. Go to the sub-district office to issue an "Unemployment Certificate", but you need to provide relevant documents and labor contract termination and other related information. The sub-district community service center will review and approve the application after receiving it, and the application will be approved after approval. You can apply for an "Unemployment Certificate" for them with a stamp, which is legally binding.

2. How to negotiate repayment of an overdue credit card

Be fully prepared. Many people say that you can just explain your current financial situation to the bank. You really need to explain it to the bank. But everyone should be aware that there are “empty words”, so we need to prepare proof of our financial difficulties.

For example, for households with five guarantees, minimum living allowances, unemployment certificates, disease certificates, etc., as long as the situation is true, then go to the bank with the supporting documents to explain, and tell the bank that you are not malicious. If it is overdue, the bank will basically consider negotiating repayment as appropriate after review.

Note that banks will generally not agree to negotiate repayment for cardholders who are often overdue.

3. Can the credit card be used after negotiation for repayment?

1. Credit card cannot be used after negotiation for repayment, because the bank will freeze the credit card and the cardholder can only Make repayments and cannot continue to use your credit card as an overdraft. Because the credit card has negotiated repayment, it means that the cardholder currently has no ability to repay. If it continues to be used, the cardholder will be under increasing repayment pressure.

2. On the one hand, the bank also needs to consider the safety of its own funds, so the credit card cannot be used after negotiation for repayment. If you want to use us, you can only pay off the debt according to the negotiated plan, and then apply to open a credit card. Generally, banks will not agree, and even if they agree, they will reduce the credit card limit.

The above is an introduction to how to issue an unemployment certificate if a credit card is overdue. I think everyone who has seen this should also understand how to negotiate repayment of an overdue credit card, and whether the credit card can still be used after negotiating repayment. Introduction, I hope the above information can bring you some help.

In special circumstances, you can click the consultation button on the right. The website provides professional lawyers to answer questions and help you solve your repayment problems so that you can return to your normal life.