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Hello! My ICBC credit card has not been returned for several years. Can the interest be reduced?
1. Generally, interest cannot be reduced or exempted for debts that have not been repaid by credit cards for several years. However, if you intend to pay off, you can contact the bank to discuss the application for deferred interest calculation, that is, after the interest no longer generates, you can apply to the bank for overdue debt, but you still need to repay the interest generated before or the interest that will be collected together with the principal of the debt.

Of course, if you still want to reduce the penalty interest of the previous generation, it is impossible, and banks will generally refuse. And if you apply for a moratorium on debt repayment, the bank may not agree. Unless you are really unable to repay, and it is not maliciously overdue, then the bank will consider it. If you deliberately fail to repay or are unable to repay, the bank will not easily let customers apply.

If the application for extension or suspension fails, another way must be considered. You'd better stop procrastinating, otherwise the fine will be higher and you have to pay more. You can try to borrow money from relatives and friends to pay back your credit card. When the credit card is paid off, you still have some money. You can return the money to your friends and relatives.

Treatment of overdue negotiation and installment payment

1, go to a civil law firm to consult with a lawyer. This way is faster, but we need to pay a certain fee to the lawyer. I believe we don't want to take this money.

2. Complain about the unreasonable behavior of the bank to the banking supervision branch of the bank with overdue credit card, ask the banking supervision branch to intervene and coordinate, and express willingness to resolve the dispute by stages through consultation. If the branch office accepts the case, the bank will stop the dunning and call to negotiate the installment payment. So, please don't turn off your phone to avoid payment.

3. Telephone complaints to the banking regulatory bureau. E-mail complaint

4. Write a letter of complaint and mail it to the Insurance Regulatory Bureau of the Bank.

5. Bank installment payment method ① China Merchants Bank, Shanghai Pudong Development Bank, Shanghai Transportation Company, Xingye Bank, China Everbright Bank and Guangzhou found that they all paid their arrears in installments for free. If the overdue time is long or the installment payment time is short, the cardholder can also reduce it appropriately. ② CITIC and Huaxia do not need to pay liquidated damages. After signing the contract, 10% of the total debt will be paid in cash for the first time, and the rest will be paid free of charge in installments. 3. People's livelihood only needs to pay back the principal. The down payment is 65438+ 00% of the amount owed, and the handling fee of 3% will be charged for subsequent periods.