In this case, we can start from the following aspects:
First, the bank called and offered to explain the situation to them. Currently unable to repay. Don't keep calling. I have to work, too. I call too much, or I have harassed my colleagues. I lost my job and have no money to pay it back. Attitude must be firm. If the other party has been harassing, you can call the CBRC to complain.
Second, you don't need to answer every phone call. It is convenient to make it clear to the other party when answering the phone. At other times, I should concentrate on my work and answer the phone by clicking. As long as you don't lose touch, you don't have to answer all the calls.
Third, it is really impossible. You can reapply for a mobile phone number, keep the original mobile phone number, put the old mobile phone aside, take a look at it during the break, or take the initiative to contact the bank. This is to let you work hard, not be harassed by the phone, and not affect your mood, as long as you don't lose contact.
Fourth, try to communicate with the bank to negotiate personalized installment, and the bank will customize the repayment plan for you according to your personal situation. The ideal situation can even have 60 issues, that is, 5 years to pay back slowly. And once the plan is reached, you don't have to worry about the prosecution. The collection will stop, and the bank will not sue you again. Unless you fail to repay before the repayment date again, the plan is invalid and the bank may sue you directly. Many people will ask, how to negotiate? If someone negotiates with the bank, he will ignore you at all. In fact, there are ways.
It is really difficult to face the collection after the expiration, because the repayment of credit cards within three months is the order of paying interest first and then paying principal, and the repayment after three months is to deduct the principal first. We must adjust our mentality, communicate well with our families, and work hard to make money with peace of mind.