1. China Merchants Bank: It can be divided into 6-60 phases and stopped by phases. If there is no reduction, the collection will stop.
2. Shanghai Pudong Development Bank: At present, the policy is relatively good, the interest-free probability is high, and the number of installments can be longer, especially the universal fund, which has great relief.
3. Minsheng Bank: Basically, it can be handled by stages, but a down payment of 0%- 10% is required, and the remaining funds will be stopped by stages.
4. CITIC Bank: 5%- 10% down payment, and the rest of the funds will be paid by installments.
5. Guangfa Bank: Some customers will be exempted, depending on the actual situation. Now there is a handling fee for installment, which is about 3000-5000 yuan.
6. China Construction Bank: There will be a certain interest on installment, so that installment can be stopped.
7. Agricultural Bank of China: The negotiation is difficult, the staging time is relatively short, and there is a certain interest.
8. China Everbright Bank: The policy changed greatly in June, and it needs to be overdue for more than 6 periods to stop the installment.
9. Bank of Communications: The policy is the best, and the monthly repayment can be about 1000.
10, Industrial Bank: The processing speed is the fastest, and the number of periods given is also relatively long.
1 1. Huaxia Bank: The scheme is general, and 12-60 is interest-free in installments.
12: ICBC, the processing speed is relatively slow, and the number of installments is relatively small.
Legal basis:
Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks issued by China Banking Regulatory Commission stipulates that under special circumstances, if it is confirmed that the amount owed by the credit card exceeds the repayment ability of the cardholder and the cardholder still has the willingness to repay, the issuing bank may negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years. The contents of personalized installment repayment agreement shall at least include:
(a) the balance, structure and currency of the arrears;
(2) the repayment period, method, currency, date and repayment amount of each installment;
(three) whether to charge annual fees, interest and other fees during the repayment period;
(4) The cardholder shall not apply for a credit card from any bank before all the funds related to the personalized installment repayment agreement are settled;
(five) the rights and obligations of both parties and the liability for breach of contract;
(6) Other matters related to repayment.
If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing service institution shall stop the collection of the cardholder, except that the cardholder fails to perform the installment repayment agreement. If an oral repayment agreement is reached, the issuing bank must keep the recorded data. Records shall be kept at least until the date of settlement of arrears.