The only way to apply for overdue deactivation of credit cards is to apply to the bank. After the deadline, you can contact the official customer service phone number of the bank credit card center, and then transfer to manual service according to the voice prompt, and apply to the customer service for overdue suspension of the credit card.

For eligible cardholders, after the customer service completes the personal identity verification, it will apply for the user to stop paying interest, and then the cardholder only needs to wait for the system to pass the examination.

According to Article 70 of the Measures for the Supervision and Administration of Credit Cards of Commercial Banks issued by China Banking Regulatory Commission, under special circumstances, if it is confirmed that the credit card arrears exceed 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 of which is no more than 5 years, that is, 60 installments.

The steps to apply for suspension of overdue credit cards are as follows:

1. Notify the bank to apply for credit card negotiation and installment;

2. Submit the materials required by the bank;

3. Wait for the bank to review before calling;

4. Sign a negotiation agreement and start repayment.

According to the law, if the credit card holder fails to repay the minimum repayment amount for more than three months in a row, the bank has the right to file a lawsuit. However, under normal circumstances, the bank will not file a lawsuit against the cardholder when it is overdue. The bank will contact the cardholder first to urge him to repay. If the cardholder fails to repay the loan within the time limit or cannot contact the cardholder after collection, the bank will file a lawsuit.

Credit card suspension conditions: confirm that the credit card debt exceeds the cardholder's repayment ability. For example, the arrears are 6,543,800 yuan, and the monthly salary is only 5,000 yuan, which obviously exceeds the repayment ability. Cardholders should have the willingness to repay, contact the bank in time to explain the reasons after the deadline, and negotiate with the bank to solve the problem. The cardholder's failure to pay off the debt in time should have proper reasons, such as unemployment or illness.

Credit card suspension will affect credit reporting. If the user repays on time after applying for credit card suspension, it will leave a record on the credit report. If the user's application for suspension of payment is overdue, it will directly affect the credit investigation. Most banks can only stop paying interest if their credit cards are overdue. It is particularly difficult to apply for a stop payment account because banks are generally reluctant to negotiate. Credit card is the main profit aspect of banks, and installment or minimum repayment amount and penalty interest through credit card are the main profit means of bank credit card business. Once the negotiations stop, the bank's income will decrease, and the risk that the debtor refuses to repay will increase. In addition to the strong disapproval of the bank, even if the application is successful, it will have a great impact on the applicant. If the applicant cannot be overdue after the account is suspended, then he is also a faithless customer in the eyes of the bank, and the business of handling credit cards and bank loans will be rejected.

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What if I stop paying the bill?

Users can directly apply to stop payment as long as they call the bank customer service hotline. However, you can only apply for a credit card if it is overdue, and you can't apply before it is overdue. If the credit card is not overdue, users can use the minimum repayment amount to avoid overdue, so it is best to choose the minimum repayment amount, because this will not affect personal credit. Applying to stop payment is to contact the bank actively after the deadline to explain your situation. I want to handle this business, but most banks will ignore everyone and tell them that there is no such business. At this time, everyone must insist on calling again every two days. If you still don't get a satisfactory answer, you will make a complaint. The content of the complaint is basically the same as what you told the bank. After the complaint, the bank will usually contact you within a few days. However, the overall answer is still the same. At this time, everyone should show their attitude and make it clear that they will persist. Many banks may not be able to stand this compromise, but some banks will stick to it. You can keep complaining. Finally, there are many things after the bank compromised. The first is the negotiation details and other issues. It usually takes a long time, and everyone needs enough patience, usually several months or even half a year. It should be noted that even if the application for suspension is successful, the credit card has already generated overdue records, resulting in poor personal credit information and inability to handle other credit business in the future. What does it mean to stop paying off the credit card? In fact, after the credit card is overdue, the cardholder can negotiate with the bank so that the arrears will no longer generate cyclic interest. However, the original interest will not be eliminated, and it will still be hung on the cardholder's account together with the principal in arrears. Cardholders need to negotiate with the bank on how to repay the principal and interest owed. If the cardholder feels that the amount owed by the credit card has exceeded his repayment ability, he can contact the bank to apply for stopping interest payment. If the bank agrees, the cardholder can negotiate a new repayment plan with the bank and then pay off the card debt according to the new repayment plan.

How to handle the suspension of credit card installment?

1. How to apply for credit card cancellation?

When the consumption amount is too high, but you take the initiative to repay and need to apply for an extension of repayment time.

1. Although credit cards provide convenience for people's consumption and payment, when the consumption amount is too high and exceeds their repayment ability, individuals can negotiate with the bank to apply for suspension of interest calculation and loss reporting.

2. When it is confirmed that the cardholder is unable to repay in one lump sum, he can negotiate with the bank for personalized installment repayment, and the longest repayment period shall not exceed 5 years.

Second, what will be the impact of the suspension of credit card use?

1. If the suspension of installment payment by credit card is a malicious loans overdue, it may affect the credit investigation; If it is not malicious, it may not affect the credit information.

2. You can declare that you are not malicious and apply for deferred repayment and interest concessions. In view of the cardholder's positive performance and previous good credit record, banks often agree to postpone repayment, and negotiate with the cardholder the repayment plan, extension period, interest discount and monthly repayment amount acceptable to both parties. In this way, if you take the initiative to contact the bank and the bank agrees to postpone the repayment, you will not be recorded in the bad record, but it should be noted that you will be guaranteed to repay the loan as agreed in the future.

3. If you are usually negligent in repayment, you must repay as soon as possible, preferably in full, after you find that it is overdue. Then call the bank's credit card center to declare that there is no malice. If the past record is good and the overdue time is short, if the repayment is found to be good after the overdue, it may not be recorded in the bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notice and collection information to avoid overdue.

4. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If you terminate with a card, the corresponding record will not scroll, but will be saved for a long time.

Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years, during which time, to maintain a good credit, so that the bad records can be cleared from the credit information system through rolling records.

3. How to apply for suspension of payment?

1. Call the official customer service phone of the bank to make an appointment for repayment;

2. Make an appointment at a bank outlet and apply for suspension of payment;

3. Negotiate at bank outlets to stop paying interest, emphasizing their willingness to repay and the current predicament;

4. After negotiation, a new repayment agreement can be signed, and the bank can stop the interest and hang the account;

5. If negotiation fails, apply through legal channels.

How to stop paying the bill?

Individuals need to call the customer service center of the bank first and stop paying bills.

Be sure to distinguish between bank customer service centers and third-party collections. Many people don't pay much attention to this.

There is only one purpose of third-party collection, that is, to make you repay and maximize its profit, so don't trust any third-party collection promise. Today's promise, tomorrow he will not recognize it if he changes people.

Therefore, don't find the wrong main unit when negotiating repayment. The main units are wrong, and negotiations are empty talk and dare not compliment.

Calling the customer service center of a credit card requires skills and ideas, and the language needs to be scrutinized many times. Of course, ideas are more important than language.

How to apply for credit card suspension

The only way to apply for overdue deactivation of credit cards is to apply to the bank. After the deadline, you can contact the official customer service phone number of the bank credit card center, and then transfer to manual service according to the voice prompt, and apply to the customer service for overdue suspension of the credit card. Under normal circumstances, eligible cardholders and customer service will apply to stop payment for users after completing personal authentication, and then cardholders only need to wait for the system to pass the examination.

It is worth mentioning that the suspension of credit cards can be handled without consultation. It is often only under special circumstances that it is confirmed that the cardholder's credit card arrears really exceed the cardholder's repayment ability, and the cardholder still has a good willingness to repay, so it is possible to apply for approval.

When the card cannot be repaid within the time limit, the credit card holder and the bank re-conclude a personalized installment repayment agreement, recombine the fixed amount, temporary amount and reserve fund in the card, re-installment, and repay the credit card bill on time every month, that is, the cardholder does not calculate interest on the unpaid bill, and temporarily holds the debt until the borrower is able to repay it.

Stopping interest payment is equivalent to stopping interest payment and repaying the principal in installments. You can apply for five years at the longest.

According to the provisions of Article 70 of the Regulations on the Supervision and Administration of Credit Cards, you can apply to stop payment if you meet the following four points:

Condition 1: the cardholder has the willingness to repay;

Condition 2: the cardholder has the ability to repay by installments;

Condition 3: the cardholder is overdue and cannot repay the arrears in one lump sum;

Condition 4: the cardholder wants to return to the normal living environment, stop the collection, and does not want to be executed;

This is the end of the introduction on how to stop the credit card, stop the credit card and enter the credit card. I wonder if you have found the information you need?