The only way to handle the overdue credit card suspension is to apply to the bank. You can contact the official customer service phone of the bank credit card center after the overdue period, and then transfer the manual service according to the voice prompts, and then apply to the customer service for suspension and suspension.

for eligible cardholders, the customer service will handle the application for stopping hunger or paying interest for users after completing personal identity verification, and then the cardholders only need to wait for the system to pass the examination.

according to article 7 of the measures for the supervision and administration of credit cards of commercial banks issued by the China banking regulatory commission, it is clearly stipulated that under special circumstances, if it is confirmed that the amount of credit card arrears exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement, the longest of which shall not exceed 5 years, that is, 6 installments.

The steps of applying for suspension of interest and credit card overdue are as follows:

1. Inform the bank to apply for credit card negotiation and installment;

2. Submit materials as required by the bank;

3. Wait for the bank to verify and call again;

4. sign a negotiation agreement and start repayment.

according to the law, the bank has the right to bring a lawsuit to the court if the credit card holder fails to repay the minimum repayment amount for more than three consecutive months. However, in general, the bank will not bring a lawsuit to the court when the cardholder is overdue. The bank will first contact the cardholder to urge him to repay. If the cardholder fails to repay or cannot contact the cardholder after collection, the bank will bring a lawsuit to the court.

conditions required for credit card suspension: confirm that the credit card debt exceeds the cardholder's repayment ability. For example, if you owe 1, yuan, your monthly salary is only 5, yuan, which obviously exceeds your repayment ability. Cardholders should have the willingness to repay, and after the overdue, contact the bank in time to explain the reasons and negotiate with the bank to solve the problem. Cardholders should have appropriate reasons, such as unemployment or illness, for failing to pay off their debts in time.

Credit card suspension will affect credit reporting. If the user repays on time after applying for credit card suspension, it will leave a record on the credit report. If the user is overdue after applying for suspension of payment, it will directly affect the credit investigation. Most banks can only handle the suspension of interest payments if the credit card is overdue. It is particularly difficult to apply for a stop-payment account because banks are generally unwilling to negotiate. Credit card is the main profit aspect of banks, and installment or minimum repayment and penalty interest through credit card are the main profit means of bank credit card business. Once the negotiation stops and the account is suspended, the bank's income will be reduced, and at the same time, the risk of the debtor refusing to repay the loan will also increase. In addition to the bank's strong disapproval, even if the application is successful, it will have a great impact on the applicant. If it is said that the applicant may not be overdue after the suspension of the account, it is also a untrustworthy customer in the eyes of the bank, and the business of handling credit cards and bank loans will be rejected.