If the credit card can't repay, the customer can really contact the bank to negotiate and try to apply for stopping payment, or try to extend the repayment period and repay the arrears by installments.

The customer will make it clear to the bank that he is unable to repay the loan for the time being, and provide the corresponding supporting materials to explain that he has not intentionally defaulted on the loan, and at the same time express his sincere repayment ideas, and the bank will consider it as appropriate.

If the negotiation is successful, the arrears will no longer generate new interest, and the customer only needs to pay off the previously generated interest together with the principal of the arrears in installments according to the extension plan.

1. How much credit card arrears will be prosecuted?

Credit card arrears are generally more than 1 10,000 yuan and can be filed for prosecution. If the credit card is maliciously overdrawn for more than RMB 1 10,000, and the cardholder fails to return it for more than 3 months after being collected twice by the issuing bank for the purpose of illegal possession, it is suspected of the crime of credit card fraud, and it can be investigated and investigated for criminal responsibility. If all overdraft interest has been repaid before the public security organ files a case, if the circumstances are obviously minor, the punishment may be mitigated or criminal responsibility may be exempted.

Second, the new regulations on credit card suspension and deduction.

Shanghai Pudong Development Bank Credit Card: 6 to 60 periods! Generally reduced, especially accounts with universal funds.

Everbright Bank Credit Card: 6-60! Recently, the handling efficiency of China Everbright Bank has become higher.

China Merchants Bank Credit Card: 6-60 installments! The processing speed of China Merchants Bank has accelerated, and it will generally be accepted, but it has hardly decreased.

Third, how to deal with the serious overdue credit card?

1. Pay off all debts. Paying off debts is a matter of course. Therefore, when the overdue situation occurs, everyone should not break the jar, but must take the initiative to pay off the money as soon as possible to reduce the negative impact caused by overdue. And if the cardholder is sincere, perhaps the bank will consider it as appropriate and will not upload the overdue records to the central bank's credit information system.

2. Continue to use the card while maintaining good behavior. Don't cancel the credit card immediately after it is overdue, because the bank won't agree to cancel it as long as the bill caused by overdue is not paid off. Moreover, if there are overdue records on personal credit information, they need to be kept for five years. In fact, once it is overdue for more than half a year, the bank will regard this arrears as bad debts. As a result, the cardholder's future loan results will be negatively affected. Therefore, after paying off the overdue debts, everyone should keep good behavior and continue to use the card to make up for the previous overdue records.