1. How to apply for an interest-rate suspension installment for an overdue credit card?

1. Credit card holders can choose to go directly to the bank where the card is issued to ask the staff for a credit card interest-rate suspension installment. To apply, negotiate directly with bank staff. During the negotiation process, you need to pay attention to the method and show the bank that you have a good willingness to repay.

2. Make an online application by dialing the customer service number above the credit card, and submit your request to the bank staff that the overdue credit card bill needs to be suspended for interest installments.

2. Will credit card negotiations for suspension of interest and pending installments affect your credit report?

1. If the credit card’s suspension of interest and pending installments is malicious and the loan is overdue, it may affect your credit report; if it is not malicious, it may not It will affect your credit score.

2. You can state that you do not owe money maliciously and apply for delayed repayment and interest discounts. In view of the cardholder's active performance and previous good credit record, the bank will often agree to defer the repayment and work with the cardholder to agree on a mutually acceptable repayment plan, delay period, interest discount, monthly repayment amount, etc. In this way, if you proactively contact the bank and get the bank's consent to defer the repayment, you will not be recorded as a bad record, but it should be noted that you will be guaranteed to repay as agreed in the future.

3. If you forget to repay due to negligence, you must repay as soon as possible after it is overdue, preferably in full. Then call the bank's credit card center and state that the debt is not malicious. If the record has been good in the past and the overdue time is short, and it is found that the repayment is good after the overdue period, it may not be recorded as a bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notifications and collection information to avoid overdue payments.

4. Credit card repayment information will be recorded by the central bank's credit reporting system on a rolling basis for 24 months. That is to say, bad credit records caused by overdue credit card repayments will be kept in the credit reporting system for two years. If terminated with a card, the corresponding records will no longer be scrolled, but will be saved for a long time.

3. How long does it take for a credit report to be filed after the credit card is overdue?

1. More than 3 months

If the credit card appears 6 times or more in 3 months If you are overdue, the bank will set you on a credit blacklist, and this list will be uploaded directly to the central bank center. Then you will not be able to apply for credit services for the next five years, which will actually have a great impact on you.

2. Overdue for three consecutive times

If the credit card is overdue for three consecutive times, the bank will characterize it as a malicious overdue credit card. Once it is determined as a malicious overdue credit card, the consequences will be worse than that of a credit card. The consequences of late payment will be more serious. Banks will also initiate legal measures to protect their own rights and interests in accordance with the law, and the scope, breadth, and depth of the negative impact will be unimaginable.

You can apply for interest-stop installments with credit cards, but you must meet the conditions and prove that you are indeed in difficulty and unable to repay, then the bank can accept it, but after renegotiating the repayment method , you must fulfill your repayment obligations in accordance with regulations, and the purpose is to avoid a second overdue payment, so as to protect your own interests from being damaged.