First, overdue credit cards are mainly divided into less than 90 days overdue and more than three months overdue. Negotiation can be made within 90 days of overdue 1: the overdue liquidated damages and interest shall be lifted;
2. Repay the total repayment amount in installments.
All banks can do it. If it is overdue for more than three months, it can be negotiated.
1: suspend overdue interest and expenses;
2. Reduce and exempt the interest and expenses already incurred (as the case may be).
3. Repaying the principal in installments, different banks have different policies and different periods have different policies. You can apply for repayment in installments of at least 6 months and at most 30 months.
Second, many people want to apply for suspension of credit card repayment when their credit cards are overdue, because they are worried that they will be collected and will generate high interest and liquidated damages. "Suspension of credit card payment" means to stop generating interest, remember the accounts first and not pay back the money for the time being. In fact, banks really don't have this business. "Stop paying the bill" is just an expression of the outside world, and there is no basis. So everyone was rejected when negotiating with the bank because there was no such business.
Third, in fact, the professional statement is that personalized staging is based on Article 70 of the Regulations on the Supervision and Administration of Credit Cards. When the cardholder can't taste it at one time, he can negotiate with the bank for personalized installment service, and the longest period is no more than 5 years. Therefore, when we negotiate with the bank, we must not say "stop paying interest", but say personalized installment.
In addition to mastering this foundation in the past, cardholders also need to have certain communication skills and negotiation skills. Some people can negotiate for days, while others can't negotiate for months. This is related to personal negotiation ability. Negotiating with the bank to "stop paying the bill" is a negotiation process, which requires tact and tact. Consultation should be based on evidence.