How to handle personalized staging?
1. Call the bank first, explain your situation, express your willingness to repay, and tell the bank to apply for personalized repayment.
Banks generally don't agree with customers to handle this business. Customers should contact the bank every few days to make it clear that they will insist. Banks will also give opportunities when they see the persistence of customers.
3. The customer needs to prepare the materials required by the bank and negotiate with the bank on the number of repayment periods and the amount of relief.
4. Waiting for the audit, generally this process is long, and customers need to wait patiently. After approval, the customer can sign an electronic agreement or a paper agreement with the bank.
How to calculate the interest and liquidated damages after the credit card is overdue?
1, liquidated damages
According to the credit card bill, a fine of 5% will be charged. 10 yuan minimum repayment 1000 yuan, and the penalty of 5% of 1000 yuan is 50 yuan's penalty.
2. Overdue interest
The daily interest of the whole bill is five ten thousandths, which means the installment amount is 654.38+00000 yuan. Regardless of the monthly repayment amount after installment, the interest will be charged at the rate of 654.38+00000 yuan, which means that the interest in 5 yuan will increase rapidly every day.