1. Call 12378 Is it useful for the banking regulatory bureau to intervene in credit card negotiation and repayment?
Yes, it is. The telephone number 12378 is the telephone number of CBRC, which can help cardholders to apply for installment negotiation with banks.
Generally speaking, after the credit card is overdue, as long as the cardholder has the repayment ability, he will hope to reach an agreement with the bank to negotiate repayment by installments, because after reaching an agreement, he can reduce his own liquidated damages and interest, and the repayment pressure can also be alleviated. But negotiations are not easy, and many banks will refuse. At this time, you can call the CBRC for help.
The CBRC is equivalent to a supervision department that supervises banks. Can help coordinate financial disputes, so that cardholders and banks can reach a consensus and resolve conflicts. However, the CBRC is not omnipotent and cannot help cardholders achieve their goals 100%. So calling 12378 may not completely solve the problem, but the staff of the CBRC will help coordinate. Generally speaking, banks will be willing to negotiate installment after coordination.
Second, how to reduce the overdue interest of credit cards?
When applying for personalized installment, you can reduce the overdue interest of credit cards by adding a waiver application.
After the credit card is overdue, it can be reduced or exempted as long as it is not maliciously defaulted. It is a breach of contract not to repay after a credit card is overdrawn. The bank may require the cardholder to repay the principal, overdue interest, late payment fee and over-limit fee, etc. At the same time, the bank can apply to freeze the cardholder's card, list it as a prohibited customer (blacklist), and bring a lawsuit to the court for enforcement. For the purpose of illegal possession, the cardholder maliciously overdraws a certain amount, and the overdue amount exceeds 1 000. If the cardholder fails to return it after being urged twice by the issuing bank for more than 3 months, he is suspected of credit card fraud and will bear criminal responsibility.
Credit cards are generally overdue and should be repaid in time. After the credit card is overdue, the bank will send a text message and call for collection. Cardholders had better not resist. If a bank calls, answer the phone as soon as possible. Don't think that you can't answer the phone after the deadline, or change the number so that the bank can't contact you. In this way, the bank will only think that the cardholder is maliciously evading the debt and will call the cardholder's contact.
It is useful for the banking regulatory bureau to intervene in the problem of overdue credit cards. The cardholder submits an application to the bank to explain his financial situation, and with the consent of the bank, he can reduce the overdue interest of the credit card. Credit cards can only be obtained by applying to the bank. Overdue credit cards will affect the personal credit of cardholders, lead to late payment fees, and may also be sued by banks. Is the above useful for "calling the banking regulatory bureau 12378 to intervene in credit card negotiation repayment?" .