By telephone, the cardholder can call the bank's customer service hotline to apply to the bank to stop paying interest or postpone repayment, and at the same time explain the overdue situation and repayment willingness.
On-site processing, cardholders need to bring their ID card, credit card, relevant debt information and credit card negotiation repayment application. , and go to the bank outlets to find staff to handle.
In order to negotiate the repayment successfully, the cardholder needs to give a reasonable explanation, such as unemployment, illness or unexpected hospitalization and other external factors that make it impossible to bear the credit card bill. If the negotiation is successful, the cardholder only needs to repay on time according to the new repayment plan negotiated with the bank.
Did you use the credit card this month and return it next month?
The consumption mode of credit card is "consumption first and then repayment", that is, the cardholder uses the credit card for consumption this month, and the generated consumption amount will be settled before the repayment date next month. However, if the cardholder does not use the credit card for any consumption in the current month, there is no need to repay the money next month. This flexible repayment method makes the credit card a convenient payment tool, allowing the cardholder to flexibly use the credit line when necessary and repay the consumption amount before the repayment date next month, thus avoiding the pressure of cash payment.