If you want to negotiate with the bank to stop paying your debts, you must first clearly express your current predicament and tell the bank that you are really unable to pay your debts at present; Then expressed willingness to actively repay; Finally, apply to stop reporting the loss.

In addition to contacting the bank several times to apply, the parties can also explain to the bank that if the bank resolutely does not consider its repayment ability, it can consider suing itself.

After all, the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks clearly stipulates: "Under special circumstances, if it is confirmed that the credit card debt exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement."

[Extended information]

The earliest credit card appeared at the end of19th century. In 1980s, the so-called credit card was developed in British clothing industry, followed by tourism and business sector. But at that time, the card could only borrow short-term commercial credit, and the money had to be repaid as needed, so there was no long-term default and no credit line.

In 1950s, McNamara, a credit expert in Manhattan, USA, ate in a restaurant. Because he didn't bring enough money, he had to ask his wife to send it. This made him feel embarrassed, so he organized a "Diner Club". Members can take their meal cards to the designated 27 restaurants for meals without paying cash. This is the earliest credit card. Franklin National Bank was the first bank to issue credit cards, and other American banks followed suit.

It is said that one day, Frank McNamara, an American businessman, entertained guests in a hotel in new york. After supper, he found that he had forgotten his wallet. He was so embarrassed that he had to ask his wife to bring cash to the hotel to settle the bill. So McNamara came up with the idea of creating a credit card company.

1950 In the spring, McNamara and his friend Schneider invested 1 10,000 US dollars to set up the Diners Club, the predecessor of Diners Credit Card Company, in new york. Come to the club to provide members with a card that can prove their identity and ability to pay, and members can use the card to keep accounts and spend money. This kind of credit card that does not need to be handled by a bank is still a commercial credit card.

From 65438 to 0952, Franklin National Bank of California, as a financial institution, issued a bank credit card for the first time.