1. How to apply for credit card suspension by installments

1. Credit card holders can choose to go directly to the card-issuing bank to apply for credit card suspension by installments, and negotiate directly with the bank staff. During the negotiation, they need to pay attention to the way to clearly show the bank that they have a good willingness to repay.

2. Make an online application by calling the customer service phone above the credit card, and ask the bank staff that they need to stop the overdue bills of the credit card.

many users may still be worried that they will not be able to successfully apply for stop installment after their credit cards are overdue. This concern is not unreasonable, but in most cases, they can successfully apply for stop installment with a good attitude. According to the regulations on credit card supervision and management of commercial banks, under special circumstances, if the amount owed by the credit card exceeds the repayment ability of the cardholder and the cardholder still has the willingness to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement, the longest of which shall not exceed 5 years, that is, 6 installments.

2. Can the credit card still be used after the suspension of interest?

1. Whether the credit card can continue to be used after the suspension of interest depends mainly on whether the credit card is frozen before applying for suspension of interest. If it is not frozen, only the credit card can be used after applying for suspension of interest and debit. If the credit card is frozen, the credit card can't be used any more after applying for suspension of payment.

2. That is to say, if the credit card still has the available limit and has not been blocked when the cardholder applies for suspension of payment, then the credit card can continue to be used. If the credit card has been frozen due to serious overdue, the credit card can't be used any more after the application is stopped. Cardholders have to think about ...

3. Generally speaking, whether a credit card can continue to be used after it has been applied for, it depends on the specific situation. If the credit card has been frozen before the application for suspension of payment, it cannot be used; It can be used if it is not frozen.

third, can I still borrow money after I stop paying interest?

Certainly not. After the suspension of interest payments, it will be shown in the special transaction records of the report. The borrower with such records is equivalent to being sentenced to death. As long as the suspension of interest payments is not eliminated from the borrower's credit report for one day, the borrower will not be able to make a loan for one day, and even if he can apply, he will be rejected 1%.

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication case and give you detailed and targeted answers, so as to avoid incorrect answers due to incomplete information and poor communication. I wish the rights protection success.