Yes, you can. If it is confirmed that the amount owed by the credit card exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the cardholder may entrust a lawyer to negotiate with the issuing bank on an equal footing. About "Can I entrust a lawyer to stop the dunning after the credit card is overdue?" The following small series will give you detailed answers. If you have any other credit card questions, you can write them at the end of the article.

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Can I entrust a lawyer to negotiate to stop payment when the credit card is overdue?

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, yes. If it is confirmed that the credit card debt exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the cardholder may entrust a lawyer to negotiate with the issuing bank on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years.

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2. If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing service institution shall stop the collection of the cardholder, except that the cardholder fails to perform the installment repayment agreement. If an oral repayment agreement is reached, the issuing bank must keep the recorded data. Records shall be kept at least until the date of settlement of arrears.

Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks stipulates that under special circumstances, if it is confirmed that the amount of credit card arrears exceeds the cardholder's repayment ability and the cardholder still has the willingness to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years.

What should I do if I encounter problems such as outstanding credit card debt, overdue, excessive interest and collection?

Remind you:

The most taboo of the credit card problem is that one is to deliberately evade debts, and the other is to support loans with loans. Therefore, neither solution will work. So, what method is feasible? Attitude is everything, so you must contact the bank actively. We can explain the reasons to the bank, negotiate and determine the repayment plan, and also need to explain the reasons for overdue repayment to the bank. In addition, action is the most critical. We must take practical actions to pay back as much money as possible. We must repay it as soon as possible. As the saying goes, if cardholders want to know more about the situation, they can contact a professional creditor protection team to solve it.