Give priority to repaying credit cards with large local debts exceeding 50,000, and avoid prosecution and criminal responsibility. If you can't pay in one lump sum,

Be sure to contact the bank to negotiate repayment. You can ask the teacher if you don't understand.

The second is to return small credit cards, and the probability of being sued by credit cards will be greater than that of online loans.

Then go to credit platforms, such as mortgages, car loans and loans, and micro-loans. When you go to the credit platform, which platform will you give priority to? The key point is that the probability of prosecution of online loans is very small, the cost is not worthwhile, and the cycle is long.

Finally, there are some non-compliant online loans. This kind of debt is also the most troublesome. Most of them will be collected by all kinds of violence, threatened or even harassed at home, and your address book will be blown up. After you have saved enough principal, talk to them about reducing unreasonable expenses. If the other party disagrees, you can show them the legal procedures. I don't think they dare. Because their own actions are illegal.

If it's only a few thousand dollars and all kinds of harassment, it's better to pay it back early to avoid physical and mental fatigue. If you have other plans, think for yourself.

Negotiate installment repayment: the technical term is "stop payment", not to say that payment is temporarily stopped there. Stop paying and pay back every month. According to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, under special circumstances, if it is confirmed that the repayment amount exceeds the cardholder's repayment ability and he is willing to repay, he can negotiate with the card-issuing bank on an equal footing and reach a personalized repayment installment agreement, the longest of which shall not exceed 5 years.

If your credit card is overdue, I will teach you a set of 100% effective negotiation repayment methods:

First of all, just after the overdue period, you take the initiative to call the bank and say hello to the bank. Who am I? Because of some recent reasons, it's overdue, so I can't pay it back at once, at least I can't afford it. What is my income now? How much can I pay back every month except the necessary living expenses?

So I'd like to talk to your bank about whether you can negotiate a personalized repayment method for me. I am indeed a special case. I know that overdue repayment has a great influence on credit reporting. You should sincerely explain the reasons for the debt and relevant supporting materials, and I can send them to your bank by email.

I can give your bank my debts, income and debts from other credit information platforms to prove that what I said is true. How many installments do I want to divide now, and how much can I guarantee before the 30th of each month? Will your communication with the bank in this way greatly improve the success rate of negotiation? This stage must be reasonable, not too much. A plan that you can accept and the bank can accept.

For example, if you owe 50,000 yuan, pay it back in 24 installments, and pay 2083 yuan every month, that is a reasonable request.

Or you owe the credit card 6,543,800 yuan, divided into 36 installments and 48 installments, which is also a reasonable requirement. The monthly repayment is about 2777 yuan or 2083 yuan.

If the bank still refuses you euphemistically or simply, then you can tell them the provisions of Article 70 of the Measures for the Supervision and Administration of Credit Cards of Commercial Banks and see what the bank tells you. For details, you can check these 70 rules online. If you still don't know how to negotiate repayment, then pay attention to me and give you a deeper answer.

The following conditions shall be met for handling the suspended account:

First, you need to have a stable repayment ability. You need to pay in installments every month.

Second, you need to be willing to repay, and you can't negotiate. I paid it back this month, but I can't afford it next month.

Third, basically, most banks need to be overdue for 30 days to close their accounts.

Income after applying for suspension of payment:

Benefit 1: Stop collection, no longer face telephone collection, SMS collection and door-to-door collection.

The second advantage is to reduce the pressure of monthly payment, pay off the arrears slowly and go ashore as soon as possible.

Third, the monthly overdue interest and liquidated damages will not increase, and the debt will not grow.

The fourth advantage is that you don't have to worry about being sued and you don't have to bear the relevant criminal responsibility.

The fifth advantage is that you can go to work with peace of mind, live with peace of mind, set life goals and achieve them one by one.

Finally, we must try our best to make money within the scope permitted by law. Money is the premise of all repayment, otherwise negotiation is useless. Codeword is very hard! If this answer is useful to you, please give your backhand a compliment! ! ! If you still don't know how to deal with it, pay attention to me!