Generally, negotiation is acceptable if there are difficulties. The four basic steps of negotiation:

Step 1: Pay attention to the call collection.

after the overdue period exceeds a certain period, the bank will outsource the collection task to a professional collection company, and there are professional collection companies to collect money. At present, the collection is basically outsourced to a third-party collection company. No matter how the other party collects money, it must not be transferred to a collection company. You don't have to negotiate with them, they only complete the task to urge the arrears! Can't represent the bank, the negotiation can only find the bank. Repayment must also be paid to the designated account of the bank. In the face of collection, it is not good to avoid it blindly, but also to answer it properly, otherwise the collection will intensify.

step 2: sort out the debts and take the initiative.

before paying off debts, you should sort out your debts, including the platform, the specific amount owed, interest, etc. After the calculation, in combination with your own income and monthly necessary expenses, see how much money you can still pay off your debts every month. This must be controlled well, otherwise the overdue collection and interest in the second phase will be heavier. It will be much more difficult to negotiate again.

step 3: friendly negotiation.

if it's a credit card, contact the issuing bank actively and tell yourself that you are willing to repay, but for some special reasons, you can't pay it off at one time! Unable to bear the current debt. Want to apply for personalized installment repayment. And tell yourself the number of installments you can afford, so that the bank can register well, and you can ask the customer service number. After that, just wait for the bank to reply. (The reason can't be made up, and proof may be required! Remember, attitude is important!

if the bank disagrees or has not received a reply from the bank, it can consult with the bank again and take Article 7 of the Measures for the Supervision and Administration of Credit Cards of Commercial Banks as the basis. Your own situation is also in line with this clause. If the bank still doesn't agree to repay the loan in installments or doesn't get a response. You can directly call the 12378 CBRC to complain.

Step 4: Wait for the result after negotiation.

after negotiation, the bank will give you a result, and will reply to you whether it can be divided into stages or not. If supporting materials are needed, as long as supporting materials are provided, they can basically pass. After passing, you will sign a personalized installment repayment agreement. Some banks sign the contract electronically (the bank will record it), and you can also record it yourself. Some need to sign offline. After signing, you can repay according to the agreement.