Second, go to the bank counter at the bank service outlets to discuss the repayment time and ensure repayment.
Third, record the whole negotiation process.
Four, the bank can not agree to only repay the principal, but can negotiate to repay the principal and interest on time.
Negotiation repayment method:
Many people will blacklist the collection phone, even if they follow up, they will be grumpy and even scold each other with the collection party to remind the collection party to have fun. That will not only solve the problem, but also make the dunning directly blow up the user's mobile phone address book. The dunning phone must be answered, because the ultimate goal of users, whether it is a loan company or an outsourced third-party dunning company, is to let users repay, so it will be much easier to negotiate only if the other party knows that users will indeed repay. In addition, users should not wait for the collection call to come. They can actively contact the online customer service staff of the lending institution before the deadline. If the online customer service staff doesn't allow it, you can try to make more calls.
1. Don't worry too much if it is overdue for a few days. Most banks have time.
Sometimes overdue is not intentional, but I forget the repayment time for a while. This kind of overdue is the best solution, because many banks have a tolerance period for lenders who are not overdue for a long time, usually between one and three days. Different banks give different tolerance periods. You can check with the bank first. We must not escape after the deadline, we must repay the arrears and interest in time, and contact the bank to explain the reasons for our overdue, so as to avoid the bank's bad record of our overdue.
2. If the overdue amount is relatively small, it is necessary to pay back the arrears at the first time; If the overdue amount is relatively large, you can take the initiative to contact the bank, explain the reasons for the overdue and your own situation, and provide relevant information to prove, and then apply for deferred repayment or installment repayment.
3. If the bank uploads our overdue records to the central bank's credit information system because the overdue time is too long, we can only cover up the bad records with good credit records. First of all, the overdue arrears and penalty interest should be settled first, and this overdue record will be overwritten after 2-5 years.
Possible consequences of overdue:
(1) generates penalty interest. As long as we repay the arrears in time, we will have a penalty interest from the day we are overdue, that is, we will add a certain percentage of interest on the basis of the original interest.
(2) Overdue records are recorded in the credit information system. If our overdue records are uploaded to the central bank's credit information system by the bank, it will seriously affect our future loans, travel, employment and family. Moreover, it will take five years for the bad record of credit investigation to be eliminated automatically.
(3) It is also possible to be sued. After the lender is overdue, the bank will make effective collection. If it fails, the bank will sue the lender. Lenders not only need to bear fines, but also may bear criminal responsibility. If the lender refuses to obey the court's decision, the court will enforce it.
I would like to remind you that when using credit cards, you must spend rationally, repay on time, and try to avoid overdue situations. If you accidentally overdue, you should also respond positively, pay the arrears first, and don't treat them negatively.