2. I wrote a letter to the relevant institutions. How to write this letter, how to write this report or a letter of assistance? First, I called the bank. They disagreed with the recording by stages, recorded it, and put the recording process related to negotiation with the bank in this letter.
3. Through China Banking and Insurance Regulatory Commission's intervention, he naturally took the initiative to consult with you. However, it is found that many banks have more overdue staff recently, so their internal collection staff must be limited, so it really takes some time to deal with it.
the correct way to deal with overdue credit cards;
first, if you can handle the arrears within 3 months after the deadline, you don't have to worry too much. The impact of credit investigation is certain, the penalty interest is inevitable, and the legal risk can be basically ignored. We use the legal basis to answer, and those overdue for less than three months have basically not yet reached the prosecution process.
second, if the card exceeds 5,, if it is normally used, criminal responsibility will not be involved in general. The key to determining criminal responsibility is not the amount and overdue time, but whether it is suspected of malicious overdraft-for example, the cardholder opens a card, swipes it once and then does not handle it, and the probability of changing contact information and avoiding collection is very high.
third, it is not very useful to negotiate with customer service. Customer service needs a contact person to handle the request after receiving it, and it is best to find a credit card center to negotiate and communicate.
if you find that your credit card is overdue and you can't handle the arrears in a short time, the most effective way is to keep the phone open, don't lose contact, and express your willingness to repay to the bank, and it is best to reach a negotiated installment repayment plan.
If the individual can't negotiate, entrust a professional organization to negotiate. After all, professional people do professional things. This method can completely avoid prosecution and collection, and the relevant policies stipulate that the arrears can be repaid interest-free in one to five years. But the premise is that after you negotiate, it is normal to repay.
the above contents are for your reference. please refer to the actual business regulations. (HUAWEI GRA-CL1, version number: HarmonyOS 2.)