If the credit card needs to suspend repayment or installment repayment, the cardholder can directly call the service hotline of the card bank and transfer to manual service to apply for suspension and installment repayment to online customer service. Of course, cardholders can also bring their ID cards and credit cards to the counter of the nearby bank service outlets to find staff to handle them. The above is how to apply for a credit card to stop installment payment.

1. Preconditions for applying for installment repayment:

1. If you want to successfully apply for suspension of interest payment and installment repayment, the premise is that the cardholder is really unable to repay, not that loans overdue deliberately refuses to repay. Cardholders need to provide certain proof materials when applying, such as unemployment certificate, certificate of termination of labor relations, hospitalization details, etc. If the cardholder has the repayment ability and intends not to repay the arrears, the issuing bank will naturally not agree to the cardholder's application for suspension of installment repayment. The cardholder can only settle the arrears as soon as possible. If it continues to be overdue, the issuing bank is likely to sue the cardholder.

2. That is, when many people with overdue credit cards are temporarily unable to repay, the issuing bank will reach an agreement with the cardholder again and repay by installments. Generally speaking, the bank will ask the debtor to repay in one lump sum after the deadline. At this time, we will negotiate with the bank to modify the original repayment plan and re-establish the installment agreement, which is interest-free during the installment period. Interest-free repayment means that no annual fee, interest and liquidated damages will be generated in the repayment process.

3. However, the original interest and liquidated damages will not be reduced, and will still be repaid together with the principal in arrears. If the bank agrees to repay in installments, the cardholder must repay on time. If it is overdue again, it may be more severely collected and even sued by the bank in the name of credit card fraud.

4. However, stopping paying interest and collecting money has advantages and disadvantages, which not only avoids being sued, but also reduces the repayment pressure of the debtor. The disadvantage is that there will always be an overdue record on your credit report, which will be automatically eliminated five years after the debt is paid off, and this credit card will not be used after it is paid off.

So what are the conditions for applying to stop staging? The cardholder has a real willingness to repay, explain the reasons for overdue to the bank, and provide proof materials. Secondly, don't refuse to call, don't let the bank not contact you, contact the bank actively and tell the bank how much you can repay at most.