First of all, users need to know whether the negotiation requirements are reasonable. For example, the direct requirement of only repaying the principal is basically difficult to pass, and other reasonable requirements can be used instead; Secondly, if users are willing to repay, but Shanghai Pudong Development Bank directly refuses, they can complain to the bank headquarters or the China Banking Regulatory Commission, and the effect is generally good. According to the new regulations, users can negotiate with banks on an equal footing, and the longest repayment negotiation period is five years. In the process of negotiating repayment, users need to communicate and negotiate with the bank patiently and repeatedly, and at the same time provide the proof that the bank needs. If the credit card is overdue, it will be charged a penalty, and a personal credit report will be submitted, and at the same time, it will be collected. Therefore, after spending by credit card, it is mainly to repay on time and not overdue. If you find difficulties in the early stage of repayment, you can choose installment repayment or minimum repayment amount, which can effectively reduce the repayment pressure of users and prevent users from overdue.

What if the card expires? Call the customer service phone of the bank credit card center to make an appointment first. If our credit card of Shanghai Pudong Development Bank is overdue, we should actively contact the credit card center to negotiate the follow-up repayment. If our credit card is overdue, we should take the initiative to communicate with the credit card center to show our positive repayment attitude and give us more opportunities. We can call the credit card center to make an appointment with the staff, and take the initiative to promote negotiation and deal with this matter as soon as possible.

The second is to negotiate with the staff at the appointed time and propose a repayment plan to the bank. After we have agreed on the consultation time with the staff of the credit card center, we should negotiate with the staff in time to jointly agree on the follow-up repayment plan. Before the negotiation, we should draw up a follow-up repayment plan according to our own actual situation, and the repayment plan should be combined with our own income to work out a plan that can actually land in the later period. When we negotiate with the credit card center, we can express our situation and exchange our sincerity for the recognition of the staff.

Third, if the bank approves the proposed repayment plan, it will be implemented according to the repayment plan. If the staff of the credit card center approve our repayment plan, then we must repay the credit card debt according to the agreed repayment plan, don't be overdue and give ourselves more opportunities.