1. Learn more: First, contact the credit card customer service of China Construction Bank to learn more about your overdue, including overdue amount, interest and penalty. A detailed understanding of the bank will help to formulate a follow-up negotiation plan.
2. Active communication and negotiation: after the overdue situation is clear, actively communicate and negotiate with CCB credit card customer service. You can ask for voluntary repayment, apply for deferred repayment or installment repayment, and reduce the repayment pressure. At the same time, you can explain your difficulties to the bank and seek reasonable repayment arrangements.
3. Make repayment plan: Work with CCB credit card customer service to make a reasonable repayment plan. In this process, you can put forward a reasonable repayment amount and repayment period according to your own economic situation. Once an agreement is reached, the repayment obligation must be fulfilled on time and the overdue funds must be repaid gradually.
Summary:
In view of the fact that CCB's credit card is overdue for three years, you can make a reasonable repayment plan and solve the problem through understanding the details, active communication and consultation. It is important to keep in touch with the bank, put forward a reasonable repayment plan, and show your attitude of actively solving the problem.
Extended data:
Overdue credit cards will have a negative impact on personal credit records, affecting future applications for loans and credit card quotas. Therefore, once overdue, it is very important to take timely measures to negotiate.
If you encounter difficulties in the negotiation process, you can consider consulting a professional credit card debt negotiation agency or law firm. They can help you analyze the situation, give advice and help you negotiate more favorably with the bank.
The most important thing is to avoid the recurrence of similar situations, develop reasonable consumption and repayment habits, repay credit card arrears in time, and maintain a good personal credit record.
The above is how to negotiate the overdue credit card of CCB for 3 years. I hope it helps you. If you have more questions, please communicate with the credit card customer service of China Construction Bank in time.