1. What is a personalized installment repayment plan?

According to the relevant provisions of China's Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit card holders can confirm the overdue amount of credit cards under special circumstances, which exceeds the current repayment ability of credit card holders and shows a strong willingness to repay. Credit card holders can negotiate personalized installment repayment plans with the issuing bank on an equal footing.

Second, Everbright Credit Card negotiated personalized repayment processing steps

1, know how much money you owe.

When we negotiate the personalized repayment plan of credit card with China Everbright Bank, we must first make clear how much the credit card owes the bank after it is overdue. Credit card overdue debt includes loan principal, overdue interest and liquidated damages. Call the relevant departments of China Everbright Bank to find out how much money you owe.

Cardholders with overdue credit cards should make comprehensive arrangements according to all the money they owe to the bank, make clear their arrears and make a good budget. Of course, according to the relevant regulations, the personalized installment repayment plan cannot exceed 60 installments at the longest.

2. Prepare proof of expired materials.

Once it is decided to negotiate a personalized installment repayment plan with China Everbright Bank, it is necessary to sort out the reasons for overdue credit cards, such as company bankruptcy, family poverty, illness and other special circumstances. As long as your proof materials are true and valid, and it is determined that the overdue credit card is caused by force majeure, the bank will agree to the application.

3. Communicate with banks and conduct personalized staging.

When you have prepared the materials and know how much you owe the bank, you can communicate with China Everbright Bank in a sincere manner, clearly put forward to apply for a personalized installment repayment plan, explain the situation to the bank in accordance with relevant regulations, and show your willingness to repay.

3. What if the credit card is sued by the bank for not repaying?

First, you must never run away or run away. With current technology, you can hardly hide. When you are sued by a bank, you must respond positively, adopt a sincere attitude and negotiate amicably.

Second, try to find a solution that suits you, from bank adjustment to a compromise result. Most courts will be more supportive of the negotiation between banks and credit card debtors, and it is unnecessary not to make a court decision.

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication cases and make detailed and targeted answers for you, so as to avoid incorrect answers due to incomplete information and poor communication. I wish the rights protection success.