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Matters needing attention in credit card negotiation.
1 is the overdue time. Try to negotiate repayment within 1-3 months, because the prosecution rate of China Merchants Bank is relatively high, and most of the penalty interest cannot be reduced. This is the focus of the negotiation. Within one month after the credit card of China Merchants Bank is overdue, it is a regular reminder message, which is not very frequent. Generally, call customer service to register at the first time after the deadline, and there is no need to negotiate repayment. After the deadline, formal negotiations will begin after the date of the first bill. 3. It is material preparation. When deciding to repay by installments, the bank should look at your repayment ability, that is, proof of income or source, and it is best to accurately calculate the monthly repayment amount. 4. It's communication skills. Better attitude, stronger willingness to repay, patient telephone communication for many times, and let the bank know your current situation as much as possible, with the emphasis on difficulty+willingness to repay+repayment ability.
Product category editing
Classification of institutions
(a) according to the different card issuers, it can be divided into bank cards and non-bank cards.
(1) bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.
(2) Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.
Card issuing object
(2) According to different card issuers, it can be divided into corporate cards and personal cards.
(1) company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.
(2) Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.