The materials that need to be provided are not only my ID card and overdue credit card.
You also need an application form. The application form needs to indicate my name, the specific circumstances of overdue and the reasons for overdue, and then express my willingness to actively repay the loan before applying for relief.
It should also provide information that can prove that the reasons for overdue are indeed true. For example, the economic difficulties caused by accidents caused by unemployment, illness or hospitalization cannot be improved in a short period of time, resulting in the inability to repay within the specified time. In case of overdue, it is necessary to provide proof of termination of labor contract, hospitalization list and list of related medical expenses.
After the cardholder prepares all the materials, he gives them to the staff of the bank, and then waits for the bank's audit. If the bank agrees to reduce certain fees, it can negotiate with the bank to repay the loan on time according to the new regulations. If the bank doesn't agree, it can only find another way to pay off the debt quickly.