1. Go directly to the bank where the card is issued and apply to the relevant staff. After your credit card is overdue, you can go directly to the bank where the card was issued, negotiate with the relevant staff, and express your need for interest reduction. During the negotiation process, you must pay attention to ways and means to express your willingness to actively repay, otherwise the bank will usually not agree to the debtor's request.

2. Conduct online negotiation through the customer service phone number on your credit card and put forward your demands. Secondly, in addition to the above method, friends with overdue credit cards can also apply for interest suspension installments through online negotiation. Nowadays, most credit cards have service telephone numbers on them, and users can also handle them directly through this method.

3. Cardholders need to note that the bank does provide personalized installment services after the credit card is overdue. However, not all overdue people can successfully apply. Cardholders must maintain a good attitude and willingness to repay during the process of being collected. During the negotiation process, you need to pay attention to the method and make it clear to the bank that you have a good willingness to repay, but you just lack the ability now.

4. Cardholders need to actively apply with the bank. For every day overdue, the bank can charge one more day of penalty interest. Most banks will not actively negotiate with cardholders for installment repayment.

5. In addition, if the cardholder is overdue due to some third-party objective factors, then according to regulations, the bank needs to agree to the cardholder's personalized installment negotiation repayment if the requirements are met. Requested. The so-called third-party objective factors actually refer to bankruptcy, business failure, family members' medical treatment, etc. It is difficult for banks to negotiate without special reasons.

6. After the interest-free installment is successfully processed, the specific number of installments is related to the applicant’s situation. The poorer the applicant, the longer the number of installments. Some people pay in 60 installments, but suddenly they have money again in the middle of the loan. This can be repaid in advance.