Today, many physical business operators are facing great survival challenges. There are many companies of the same type on the market and competition is high. If there are special circumstances in the city where they are located, it is easy to be unable to survive. To continue operating, I had no choice but to file for bankruptcy. Therefore, under such pressure, many business operators have begun the journey of credit card loans. But when most people are faced with the situation of making ends meet, they have no choice but to overdue their bills because they have no choice but to make ends meet.

Worried about losing money if your credit card is overdue? 3 steps to teach you how to issue proof of difficulty!

Readers who have read our previous articles know that when your credit card is overdue, it is the best solution to negotiate with the bank for repayment. If you blindly passively avoid the final payment, It will only make the penalty interest and liquidated damages accumulate more and more, and you will have to pay back more money at that time, which is very uneconomical! However, before negotiating, we must also prepare corresponding documentation proving difficulties! But how to issue this certification material?

1. Search the Internet for the corresponding template to fill in.

First of all, we can search for relevant hardship certificate templates on the Internet. If our current economic situation is already very bad, we can also You can search for corresponding poverty certification materials. However, we here suggest that you try to issue proof of poverty documents as much as possible. Due to various reasons, it is quite difficult to issue proof of poverty documents, which is not conducive to the debtors getting enough time for negotiation, and the cost of time and energy is too high!

After searching, fill in the corresponding name, address and other contents clearly, and then you can proceed to the next step - find the village committee or neighborhood committee to which you belong.

2. Explain to the staff of the neighborhood committee or village committee to which you belong

Secondly, after we find the neighborhood committee or village committee to which we have filled out the template, we try our best to find Those staff members who have a larger voice explain their current economic situation, such as losing a stable job, becoming seriously ill, or having a bankrupt business, etc., and try to be as tactful as possible. Finally, you must explain why you want the neighborhood committee or village committee to issue corresponding proof of difficulty. What is the purpose?

Some neighborhood committee and village committee staff may have a more serious and responsible attitude towards their work, and may not believe too much in what you tell them verbally. Therefore, if debtors are unsuccessful in applying to neighborhood committee or village committee staff for the first time, they should make corresponding preparations for the second time!

3. Provide corresponding supporting materials to the staff of the neighborhood committee and village committee to which they belong.

The debtor goes to the village committee or neighborhood committee for the second time to issue proof of difficulty with the staff. When negotiating and communicating, be sure to bring corresponding supporting materials. For example, a recent Alipay payment record can prove your consumption status. If you lose your job, you can issue a resignation report stating that you were fired by the company. If you are seriously ill, you can provide a medical record issued by the hospital. wait. Try to impress the staff with actual materials, and generally speaking, they will be successful.

How to negotiate with the bank using proof of difficulty?

Communicating with the bank is a very laborious matter. It usually requires the debtor to go through tough discussions with bank staff, and the final success depends on the bank's attitude. During this process, debtors may wish to consult professional legal personnel. They can provide you with a detailed negotiation plan, negotiate with the bank for you, reduce or reduce the penalty interest and liquidated damages of up to 30%, and apply for the longest Deferment and installment can greatly reduce your repayment pressure!