Many friends who have overdue credit cards will question why some people can negotiate with the bank in the same situation, but I can't negotiate. What's wrong and what's the trick?

in December last year, my CMB credit card was suddenly reduced from 5, to 4,, without prior notice. Then call the credit card center and ask for installment. Note that there is no overdue at this time, and the bank can earn interest after installment, so I can also reduce the repayment pressure. I didn't go to the bank and said, if the system score is not enough, I can't stage it. I just have to repay it according to the minimum repayment amount of 11 thousand yuan. I can only say that I want to swear! I don't care if I can pay it back! You know, other banks are calling me on their own initiative to ask me to stage it. I'm not willing to stage it yet. Wait until January this year, and call the credit card center again a few days before the overdue date: it shows that repayment is difficult and I hope to negotiate repayment. The customer service said there was no overdue negotiation. Do you think it's ridiculous? Is it difficult to make a big deal out of it? Spring Festival is coming soon, so leave it alone.

The reason why the bank refuses to handle the installment or interest exemption:

I believe that many indebted friends have suffered from the supercilious look of the bank's customer service, so they made a phone call and negotiated with the bank's customer service, hoping that your bank can help make a installment repayment and reduce the repayment pressure. The customer service of the bank often uses the phrase "can't handle it" coldly. Our bank doesn't have this business, so we are embarrassed and ruthlessly refuse the cardholder's application. To put it bluntly, banks are also doing business and don't want to sacrifice profits for nothing.

After the Spring Festival, I continued to call the bank for consultation. The customer service first checked the information and re-recorded the telephone changes of emergency contacts. I knew very well in my heart that they were preparing for future collection, and their tone was also tough, saying that they would go through procedures, door-to-door visits and even legal procedures. In the end, it ended in discord.

at this time, I also made up my mind to make a complaint. I called the Shanghai Banking Mediation Center to complain, and asked to stop paying interest and pay in 48 installments. At this time, you must calculate your repayment ability, and you can't negotiate and then overdue! A few days later, the credit card center called and paid 36 installments without interest. Upload income certificate and credit report. In this way, after I was overdue for one month and paid one month's interest and liquidated damages, I solved the problem satisfactorily. If you think the deadline is short, you can continue to complain!

Attention, please: Why do I call once a month? It means that I have the willingness to repay and I have not lost contact. This is very important!

especially friends whose money exceeds 5,, and record the call. The recording should be complete and cannot be edited. As for going in a little every month, I don't think it's meaningful to go below 5 thousand. Because the interest is paid first three months before the deadline, and the principal is paid first after three months.

How can overdue cardholders prevent the crime of credit card fraud?

1. First, determine whether the arrears are credit cards (such as universal money, dream-fulfilling money, financial wisdom money, small loans, etc.). At this stage, only credit cards can be sentenced, and even if the others are prosecuted, they are only civil liabilities.

2. If the principal owed by a single credit card (excluding rising interest and liquidated damages) does not exceed 5, yuan, don't worry. If the single card exceeds 5, yuan, try to repay it within 5, yuan. There is no need to worry too much, and the bank will not do too much. It is just trying to recover the arrears. If you are really imprisoned for credit cards, you will not meet two in a year.

3. As long as the true information filled in the credit card you applied for at that time is not malicious, and you don't pay back the cash in bad faith, the rest of the arrears will be civil litigation.

personally, it's only natural to pay back debts. Whether it is a credit card or an online loan, as long as we show sincerity, it can be resolved through consultation. Because no matter how much money we owe, we just need some time to solve the problem! Debtors should strengthen themselves and not go to extremes. There is only one life, otherwise you are sorry for yourself and your parents and family. Work hard, everything will get better and better!

At the same time, I also hope that those who engage in collection will show some respect to others. The person in charge may have temporary difficulties and may have failed in investment. Don't look down on them, you don't necessarily have their courage, dare to take the only suite and invest a little money! Be tolerant of them, and make your conscience feel better in the future, and make your money spend more calmly!