Generally speaking, unless there are particularly serious force majeure factors that can win the sympathy of banks, banks will not easily forgive this five-year overdue behavior. ?

1. Cardholders can go to the counter of the local branch of China Construction Bank for consultation, find a special salesman to negotiate, show their greatest sincerity, make their own situation clear, and try to get the understanding of the bank. It is best to bring a minimum living allowance certificate and a serious illness certificate. To explain why the arrears have not been paid for five years. When negotiating with CCB staff, you should not only prove to the bank that you are not maliciously in arrears, but also express your willingness to pay back the money and pay off the arrears.

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2. Because the overdue credit card will generate interest and penalty interest, if the interest has already rolled too high, the cardholder can negotiate with the bank and strive for installment payment. However, if you want to apply for installment payment, you must have a fixed source of income, so that the bank can see that it has the ability to pay back the money in the future, and the bank will feel hopeful to recover the arrears. Generally speaking, repayment by installments can be divided into 6-60 installments, which should be planned reasonably according to your actual situation.

2. Can CCB's credit card only repay the principal if it is overdue for 5 years?

If the credit card is overdue for five years, if the principal is still a lot, then according to the bank credit card, the daily penalty interest is five ten thousandths of the principal, and the interest may be as high as tens of thousands every month, not to mention the monthly liquidated damages. The liquidated damages shall be calculated at 5% of the part other than the minimum repayment amount, and the penalty interest and liquidated damages may be above100000 yuan. ?

If we had negotiated repayment with the bank when the overdue time was short, and strived for installment payment or suspension of payment, we would not have today's predicament. I believe everyone can see that the interest amount is so high that it is almost impossible for the bank to allow the cardholder to return the principal if it is overdue for five years.

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