1. If the amount owed is not large, the interest generated is not much. This need not be negotiated, and the bank will not agree after consultation. It is useless to do it;
2. If the amount owed is not large, but the overdue time is long, resulting in a lot of interest, this situation must be negotiated. You must pay off your debts to get rid of your bad credit record. For example, the debt is only about 2000 yuan, but it is overdue for 2 years, and you have to pay back more than 654.38+0 million with interest. This is not a small number.
During the negotiation, you should take the initiative to call the bank and be rational. Of course, don't forget to write it down. Tell the bank on the phone that you want to pay back the money, and then explain clearly the principal you owe and the interest you generate. At the same time, you should show your difficult situation. Only money can repay the principal, but no money can repay the interest.
But the last thing to say is that no matter whether the negotiation is successful or not, as long as you are overdue, it is best to pay back some money every month to show your willingness to repay, so that it will not constitute the crime of credit card fraud, and the bank will not contact the public security to arrest people, if it is not difficult for you.
Measures for the supervision and administration of credit card business of commercial banks
Paragraph 2 of Article 57: When receiving the repayment from the cardholder, the issuing bank shall pay off all the debts in its credit card account in the following order: if it is overdue 1-90 days (inclusive), the interest or expenses shall be paid first, and then the principal shall be paid; If the overdue period exceeds 9 1 day, the principal shall be repaid first, and then the interest or various expenses shall be repaid.
Consequences of overdue repayment of credit cards:
One is to calculate the double fine from the overdue date.
The second is to affect personal credit information.
Third, suspected credit card fraud, criminal responsibility shall be investigated according to law.
Paragraph 4 of Article 196 of the Criminal Law stipulates that those who maliciously overdraw and commit credit card fraud are sentenced to fixed-term imprisonment of not more than five years or criminal detention and fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property.
Legal basis:
Article 196 of the criminal law
Whoever commits credit card fraud in any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(1) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate.
(2) using an invalid credit card.
(3) fraudulently using another person's credit card.
(4) malicious overdraft.
The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.