Details are as follows:

1. After the industrial and commercial credit card is overdue, it is usually necessary to pay off the principal and interest;

2. However, in some special cases, only the principal can be repaid through consultation with the bank;

3. The premise of only negotiating to repay the principal is that the customer needs to provide sufficient reasons and supporting materials to explain that he cannot bear the extra repayment such as interest;

4. The bank will evaluate and analyze the customer's situation, and decide whether to agree to negotiate only to repay the principal according to the specific situation;

5. If the bank agrees to negotiate only to repay the principal, the customer only needs to pay off the accumulated principal amount during the overdue period, and does not need to bear additional interest expenses;

6. Banks are evaluated on a case-by-case basis, so whether to agree to negotiate to repay only the principal may vary from person to person;

7. Negotiating repayment of principal is not the default way for banks. Customers need to contact the bank actively and make relevant requirements.

Summary:

Industrial and commercial credit cards can only repay the principal through negotiation, but they need to provide sufficient reasons and supporting materials, which are determined by the bank's evaluation.

Extended data:

Overdue repayment means that the cardholder fails to pay off the credit card debt at the agreed time. Overdue repayment will lead to overdue records in credit card accounts, which will have a negative impact on personal credit records. In the case of overdue repayment, banks usually require cardholders to pay off overdue principal and interest. However, some customers may not be able to repay the full amount at one time, so they hope to negotiate with the bank and only repay the principal. Banks will evaluate and make decisions according to the specific situation of customers. If he thinks that the cardholder really can't bear all the debts, he can agree to negotiate to repay only the principal. This kind of negotiation requires the cardholder to provide sufficient reasons and supporting materials to explain why the interest cannot be repaid. Each bank will handle the negotiation of repayment of principal differently, so customers need to contact the bank directly to consult the relevant requirements and procedures.

The above is the relevant content that industrial and commercial credit cards can only repay the principal through negotiation. I hope it helps you!