1. Approximate instructions for the use of borrowed funds, allowing the bank to understand the approximate use of the user's money;
2. Proof of inability to repay, such as unemployment certificate, illness certificate, and financial certificate , bankruptcy certificate, etc. No matter what the proof shows, the theme is that the user is indeed unable to repay;
3. Submit an installment repayment application, and the bank also needs to ensure the safety of the funds. Since the user is no longer able to repay, It is necessary to provide a repayment plan to the bank to confirm the user's overall strength;
4. Personal income certificate. Based on the personal income certificate, negotiate with the bank on the installment plan, how much to repay each month, and how much to repay planned; < /p>
5. If the interest-free repayment is successfully negotiated, the user must remember to sign a repayment agreement with the bank to ensure his own interests and avoid the bank's regret of increasing interest and contract penalties.
The above is the relevant information about the materials required for credit card installment negotiation. How to negotiate installment repayment with a credit card
If a credit card needs to negotiate installment repayment, after contacting the bank staff on the phone, the user should not directly apply for installment, but first explain why he/she wants to apply. Clearly state the reason for the installment, explain the temporary inability to repay the loan, and provide corresponding supporting materials, such as unemployment certificate, termination of labor contract, etc. While explaining to the bank that you are not intentionally overdue, you can also clearly explain your intention to repay the loan proactively, and finally submit an application to extend the repayment deadline and repay in installments. The bank will consider this matter at its discretion. This article mainly writes about the knowledge points about what materials are needed for credit card installment negotiation. The content is for reference only.