1. How to negotiate with the bank after the deadline?

Users lost in loans overdue should take the initiative to call the bank, explain their overdue reasons to customer service, and then apply for negotiated repayment. If the customer service refuses the user's repayment application through negotiation, the user must pay off the overdue debt as soon as possible. After accepting the user's application, the customer service will generally ask the user to upload relevant certification materials for review. The more materials can be submitted, the more favorable the negotiation will be.

After the user submits the agreement repayment application, because the bank can't judge the specific situation through the user's oral content, it needs to upload proof materials, which can explain whether the actual situation described by the user is true or not. The user really caused the bank to loans overdue for special reasons, and then submitted proof materials, and both parties can generally negotiate successfully.

Agreement repayment generally means extending the repayment period, and the bank will give certain interest relief, which can reduce the repayment pressure of users and let users pay off overdue debts as soon as possible.

Second, what will happen if the credit card is overdue?

1, high interest and late fees

If the cardholder fails to repay the credit card, he will no longer enjoy the interest-free period of the credit card, and will charge 0.5% interest every day from the date of consumption, and compound interest will be calculated monthly. If you owe tens of thousands of yuan in less than a few days, you will generate thousands of yuan of interest, and the longer the time, the higher the interest.

If the credit card fails to repay in time after the interest-free period, the bank will charge the credit card holder a late fee, accounting for 5% of the unpaid minimum repayment amount. After a certain period of time, the bank will charge the cardholder a higher penalty interest.

2. Personal credit stain

As long as you have applied for a credit card or loan, you will know how important your personal credit record is. It will be very difficult to apply for a credit card once your credit history is tainted. This is not the most troublesome. Worst of all, if you want to buy a house with a credit stain in the future, the loan amount of a mortgage will be less than others' interest rate and higher than others' interest rate. If you reiterate that you want to pay more interest after the deadline, the bank will not lend it to yourself.

3. The credit card has been stopped.

If the credit card is not repaid, the bank will withdraw the revolving credit given to the cardholder and the credit card will be deactivated. For those who owe money for many times or for a long time, the bank will think that the cardholder's repayment risk is high, and will stop using the credit card and recover the arrears from the cardholder. If the bank still can't repay the credit card debt, the bank can apply for auctioning other fixed assets of the cardholder.

4. Malicious arrears will be sentenced.

If the credit card is overdue for more than three months, it will be regarded as malicious overdraft and the bank can initiate judicial proceedings.

After the credit card is overdue, the cardholder can take the initiative to contact the bank, truthfully tell the personal situation and explain the reasons for not being able to repay. In the process of communication, we must take the initiative and be sincere. Once the bank agrees to apply for delayed repayment, the cardholder must repay the loan within the specified time, and pay overdue penalty interest after the deadline.