How to negotiate the overdue credit card of CITIC Bank?
1. Contact the credit card application platform and explain the situation. When the credit card is overdue, users need to get in touch with the customer service of CITIC Bank in time. They can help users understand the current debt situation and recommend the most suitable repayment method for users. When contacting the customer service staff, users should be clear about the amount they need to repay, the number of days overdue and other related information, which plays a decisive role in formulating the negotiation repayment plan. At the same time, users should take the initiative to express their willingness to repay, indicating that they want to pay off their debts as soon as possible to show their integrity.
2. Be patient and honest. During the negotiation process, customer service will provide suggestions and solutions to users, but not all solutions can be accepted. Therefore, users should show honesty and patience, try their best to put forward their own repayment ideas, and at the same time listen carefully to the suggestions of customer service staff to negotiate the most suitable repayment method for them.
3. Try to provide a reasonable repayment plan and proof of funds. When negotiating repayment, the user should provide a reasonable repayment plan and the corresponding proof of funds. These certificates can be income certificates or other relevant documents. You must prove that you have enough repayment ability to repay. At the same time, users need to provide reasonable repayment plans as much as possible to increase the success rate of negotiations.
4. Avoid credit damage caused by long overdue time. Too long overdue time will have a great impact on credit records. Therefore, users must pay attention to maintaining good repayment behavior when using credit cards, avoid overdue situations, and contact the bank as soon as possible. If the overdue time is too long, it will cause great damage to personal credit.
Can CITIC Credit Card be repaid in installments?
China CITIC Bank can't repay the cash by installments, so after the cash withdrawal by credit card, the cardholder needs to repay in full according to the arrears indicated in the bill on the repayment date. China CITIC Bank charges a handling fee of 2% of the cash withdrawal amount for domestic cash withdrawal of credit cards, with a minimum charge of 20 per transaction. For overseas cash withdrawals (including Hong Kong, Macao and Taiwan), a handling fee of 3% of the cash withdrawal amount is charged, with a minimum of US$ 3, HK$ 30 or Euro3 per transaction, except for other credit cards such as blue cards. In addition to the cash withdrawal fee, from the date when the cardholder withdraws cash, the interest on the cash withdrawal principal will be calculated at the daily rate of 0.05%, and the interest will be compounded monthly until the cardholder pays off the cash withdrawal amount. For example, if the cardholder withdraws 5,000 RMB, the withdrawal fee is 5,000× 2% =100 RMB, and the interest is 5,000× 0, and 05% per day = 2.5 yuan RMB. If the cardholder fails to pay off the withdrawal amount after one month, the interest of last month will be charged together with the principal of next month.