1. First, notify the bank to apply for credit card negotiation installment;
2. Then submit the information according to the requirements of the bank;
3. Wait for the bank to review before calling;
4. Sign a negotiation agreement and start repayment.
Suggestions for action:
1. First notify the bank and apply for credit card negotiation by installment. Or find a bank credit card customer service to help us calculate our principal and interest, and then decide whether the number of negotiated periods is affordable. After considering it, contact the bank's customer service, express your needs to negotiate the installment, let the bank register, and then wait for the bank to call back!
2. Then submit the information as required by the bank. Don't make it up. If there are difficulties, there will be difficulties, and the advantages will be released, but we must also remember to foster strengths and avoid weaknesses, and do not mention what should not be mentioned, and then prepare the proof required by the bank. Cardholders should have reasonable reasons to apply for suspension of payment. Common and reasonable reasons, such as the impact of the epidemic, product sales blocked, wages and bonuses stopped, raw material procurement difficulties, because the government regulations must be closed (such as the catering industry must be closed), or other difficulties. Tell your reasonable reasons and submit some convincing evidence.
At the same time, the cardholder should provide digital proof that the amount owed by the credit card exceeds his current repayment ability. It is not recommended to open the L/C in advance, just open the L/C and upload it within the specified time. You know why.
3. Wait for the bank to check before calling. The first telephone representative is still negotiating, such as how many installments and how much each installment costs. The second call tells whether the negotiation is successful or not. If it is successful, the number of installments, the amount and the relief will be confirmed and recorded. Generally, you will encounter various problems such as the customer service does not handle it and the bank does not agree to negotiate. Besides sincerity, you need strategy and perseverance. At present, many institutions or individuals have related agency business. If you don't have the confidence to handle it yourself, it's best to entrust a reliable institution or an individual you know offline. Online advertisements generally have exaggerated elements. Pay attention to discrimination, the point is generally 10%. Don't believe it if the charge is too high, and stay away if the charge is too low. Unless the amount is hundreds of thousands or millions, it is basically unreliable to charge you one or two points. The operation period is about 10~60 days. Bian Xiao reminds you here that the negotiation must be divided into specific situations by the bank. Don't ask about your situation, just make sure you get it in a few days and make sure it can be divided into 60 installments.
4. Sign a negotiation agreement and start repayment. After the negotiation is successful, the signing is not unified. Some banks are recorded, some banks are electronically signed, and some need written signatures from offline outlets. It should be noted that if the negotiation is successful, it cannot be overdue, and the second one may face prosecution. Of course, each bank's policy is different, and everyone's situation is different. Most banks can also talk about principal negotiation by stages, and some banks are only willing to cut interest rates by stages, so priority should be given.