Useful, 12378 is the focus of consumer rights complaints against banks and insurance companies. Under normal circumstances, if the credit card is overdue and the bank refuses to negotiate, you can reply by calling 12378. However, it is not illegal for the bank to refuse negotiation, and making a phone call is useless. You may be better off negotiating with the bank yourself. Things may get better. 12378 Negotiate with credit card but you still have to refund it anyway.

If you do not have the ability to repay the loan in full, and the bank does not negotiate, you can consult. The bank can divide it into 36 installments. Now it only has this ability, and ordinary banks can. As long as your amount is small, you don't have to pay full attention to your bank's non-negotiation clause, he says. Generally speaking, the bank must sue you for compensation of about 50,000 yuan. He said the banks are state-owned and only the People's Bank of China oversees them.

:1. What should I do if the bank disagrees with the overdue credit card installment payment? A bank's normal credit card collection process includes the following processes: The first is the bank's own collections department. At this stage, banks generally will not negotiate with you, but require you to repay the loan in one go. At this point, it is recommended that you have a positive attitude, consult the staff more, and then repay at least a little every month, which at least shows that you want to repay the money and are not maliciously breaching the contract. However, the money returned at this time basically becomes liquidated damages or deducted interest.

2. Secondly, if the collection department cannot complete the collection work, the next stage is to outsource the collection company. This stage should be the most problematic stage, because the quality of outsourcing personnel may be different, and some will use various means to make you pay back the money, even panic, etc. But don’t worry, all their panic has no legal effect, and if the circumstances are serious and involve breaking the law, you can sue them.

3. However, at this stage, they can generally apply to the bank for exemption of liquidated damages and interest, that is, they only need to repay the principal, or even apply for installment payment. However, here is a special note. Commercial banks are more flexible and can apply to deduct liquidated damages and interest. However, state-owned banks such as the four major banks are more difficult to apply for and generally require you to return the interest. Finally, if the outsourced collection department cannot complete the collection work, the next stage is the bank itself. At this stage the bank will usually start suing, and this time they are serious, so pay attention at this stage or you may face legal action. But the bank's ultimate policy is to make you pay the money back, so if they don't sue, they won't sue.

4. In short, if you owe money on your credit card, try to keep the phone open, have a positive attitude, don't answer the phone, and then pay more or less every time, so that even if you sue in court, it will not constitute a problem. Credit card fraud crime. But once you owe money on a bank credit card, your credit information will be affected, so try not to default on your credit card and maintain rational and objective consumption.