If the credit card is overdue because it hasn't arrived yet, you should pay attention when writing an application for repayment negotiation with the bank. First, write your real name, then write down the overdue card type and bank, and then write down the overdue situation clearly, when, how long and how much.

Write this information clearly, and then explain in detail the reasons for the overdue. For example, if there is an accident, it needs to be explained. After writing down the reasons clearly, express your willingness to repay, and then make a repayment request through consultation, and apply for delaying repayment or stopping interest payment.

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Precautions:

We need to note that this application is only a unilateral application by the customer, not an agreement. The bank can negotiate a new repayment plan only after receiving the application and approving it, and both parties reach an agreement.

Of course, if the bank doesn't agree, the customer will have to find another way to pay off the debt as soon as possible. The longer the overdue period, the more serious the impact.