If the credit card is not suspended, the customer can actually sort out the information and try to negotiate again, provide more materials that can prove that he does not have the ability to repay, and show that he did not intentionally fail to repay the debt. The bank will always Discretionary consideration. At the same time, customers can also try to negotiate to extend the repayment period and repay the debt in installments.

If you really can’t apply for an interest suspension and hang up your debt, you can only find another way to raise funds to pay off your credit card debt. For example, you can try to borrow money from close family and friends to repay it.

The analysis is as follows:

1. First, contact the customer service of the card-issuing bank to inquire about the policy. Generally speaking, someone from the bank’s collection department will contact you. Remember to record the relevant call for future reference.

2. Then take "mandatory action" immediately, that is, the amount obtained by dividing the total amount owed by 60 periods will be directly deposited into the credit card account in which the debt is owed. For example, the total credit card debt owed is 200,000 yuan, then each deposit is only 3,333.33 yuan. Keep depositing every month without interruption. This is to prove that you are not a subjective "malicious debtor" and that you are willing to repay, but you do have to do so because you are unable to repay.

3. Complain to the Consumer Rights Protection Division of the local Banking Regulatory Bureau about the card-issuing bank's violation of Article 70 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks" and make your demands (interest suspension and installment repayment) truthful. Appeal.

In general, banks will agree to suspend accounts and suspend interest rates, but this does not mean that this behavior is worth advocating. Because this behavior will have a bad impact. Because the interest-free loan will appear on the credit report, the lending institution can see it. After seeing the credit report, the bank will find that you have a record of suspended interest payments and will determine that your repayment ability is insufficient and will not grant a loan.