Credit card negotiation repayment process
The first thing you need to pay attention to is that you must take the initiative to contact the issuing bank, explaining that your arrears are not intentional and cannot be repaid immediately. Generally speaking, as long as you take the initiative to contact the bank and tell many parties why they haven't paid yet, the bank will discuss with you a mutually acceptable repayment method.
You must be sincere in your attitude, how to reflect your own situation, find out the reasons that can impress the bank, and let the bank recognize it. And if the reasons given cannot be recognized by the bank, then the bank will not agree.
however, it should be noted that the premise and basis of negotiation are that you have not overdue for the time being, otherwise it will be more difficult. In addition, when negotiating the repayment method with the bank, we should also proceed from our own actual situation to see whether it is better to negotiate the minimum repayment or to repay by installments. This proposal depends on the amount you owe.
If the repayment capacity is limited due to the large amount, it is better to repay by installments, which can enjoy interest-free and the handling fee is relatively lower than the minimum repayment interest, so it is suitable for long-term repayment. Of course, the specific choice is to calculate which kind of money we pay to the bank is the least according to our own actual situation.
In short, as long as you tell the bank that you have repayment intention, it won't have much impact on your credit record. Don't try to avoid such problems, as long as communication can solve them.
In most cases, citizens who have full capacity for civil conduct (citizens aged 18 or above in Chinese mainland) and have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
people who apply for credit cards can be divided into units and individuals. The applicant shall be an institution, enterprise, business unit, foreign-funded enterprise and individual industrial and commercial household with independent legal personality in China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph.
How to negotiate credit card repayment
How to negotiate credit card repayment
How to negotiate credit card repayment? Many people use credit cards in life, and more and more consumers don't grasp the consumption intensity. Moreover, as we all know, credit cards are free of interest. If they are really unable to repay, they can apply to the bank for suspension. The following is an analysis of how to negotiate credit card repayment.
how to negotiate repayment by credit card 1
1. Who should I talk to about negotiating repayment by credit card
It's useless to ask a third-party collection company if you want to negotiate with the bank. Maybe they will say when collecting, just pay back the principal, not the interest, but when you pay back the principal, you will say that you will pay back the interest, because the collection company only wants you to pay back the money, and the more you pay back, the more they earn, so the most effective thing is.
Many banks will have departments to deal with the overdue negotiation of credit cards. Cardholders can directly find the credit card service hotline of the issuing bank or directly go to the counter for consultation, and just find the approver.
There are still many items to be reviewed, such as the borrower's overdue time, overdue reasons, overdue amount and repayment ability.
so, what specific supporting documents are needed and how to negotiate with the bank? This is what I'm going to say next.
second, how to negotiate repayment by credit card
If you want to negotiate repayment with the bank, the best time is to apply for deferred repayment and interest concessions before it is overdue, which has the greatest chance of success, but if it is overdue, there is still a chance.
First of all, don't avoid the bank's collection. Whether it's a phone call or a door-to-door collection, you should show your attitude and make repeated demands for negotiation. If you deliberately hide, it will only make the bank think that you are maliciously overdue, and it will be impossible to negotiate again.
then you need to negotiate with the right person. It's useless to negotiate with a third-party collection company. He agreed to change the principal only in lip service, but the bank didn't agree, so you should apply directly with the bank.
In order to negotiate successfully, two conditions are generally required: first, willingness to repay; Second, there is no repayment ability. As long as you pay back a little money on time every month, you can achieve a good attitude, but the bank should have a professional evaluation of your repayment ability, and check your bank flow, fixed assets, etc. Once you find out that you have repayment ability, it will be difficult.
When negotiating, we can start with 6 installments. The bank does not agree to discuss 48 installments. After negotiation, we must sign an agreement or save the recording. Then from another result, what should banks do if they don't agree to negotiate by stages?
Third, what should I do if the credit card negotiation fails?
It is normal to fail to negotiate. After all, there are so many overdue people every year who want to negotiate with the bank, and not everyone will pass. However, don't give up easily. You can try again. Maybe the bank will agree when you insist, and provide more information to prove that you really can't repay, such as unemployment certificate, bankruptcy certificate, hospitalization certificate, poverty certificate and so on.
Also, we can give in a little more to the number of installments and the monthly repayment amount. If you still can't pay a few hundred a month, you can say that you will pay back 1,. If you can't pay in 48 installments, you can divide it into 12 installments. It is a little bit to be able to pay in installments.
if you really can't apply, you can only borrow money from others, or raise funds, and promise your friends a little interest, and pay back the money first, so it won't be more than overdue.
how to negotiate repayment by credit card 2
1. How to negotiate repayment by installment by credit card
1. Under normal circumstances, you can negotiate repayment by installment with the bank after the credit card is overdue.
2. However, the premise is that the credit card holder did not maliciously evade the bank's collection after the overdue period, and actively negotiated with the bank after the overdue period and explained the reasons for the overdue credit card bill to the bank. If the cardholder maliciously evades the arrears after the deadline, then it is impossible to negotiate repayment with the bank.
second, how to handle the suspension of credit card overdue
if you want to apply for suspension of credit card, you can call the customer service of the credit card center of the bank where the credit card belongs, put forward an application for suspension of credit card, explain your own situation and the reasons why you can't repay, and submit the application according to the requirements of the bank. However, it depends on the bank's decision whether it can successfully handle the suspension of interest payments in the end. The most basic conditions for handling the account suspension are as follows:
1. It is really unable to repay the arrears. Banks will investigate personal income, liabilities and other evidence to assess repayment ability.
2. You can't avoid the collection by losing contact, and avoid the bank questioning the lender's repayment intention. Even if it is overdue, you should try your best to repay it, indicating your willingness to repay.
3. You can issue a reasonable certificate to the bank.
3. Will credit card installment repayment affect credit information
1. Credit card installment repayment will not affect credit information, but if the cardholder still cannot repay on time after applying for installment repayment, it will affect personal credit information.
2. The' handling fee' required for credit card installment repayment is the main source of bank profits, so proper installment repayment will not only affect credit reporting, but also benefit credit card withdrawal.
3. installment payment is the amount that must be paid on time before the bill is due for repayment in order to maintain a good credit card record every month.
how to negotiate credit card repayment? 3
1. How to apply for a credit card pending suspension
Take the initiative to negotiate with the bank. Don't wait for the bank to call. Call the bank on your own initiative to communicate, show your sincere attitude, explain that you didn't intentionally fail to pay back, make clear your financial situation, liabilities and income, and express your willingness to repay. If it is best to pay off in one lump sum, you can negotiate with the bank and wait for the bank's approval. If the bank does not accept the negotiation, it can only be paid off in one lump sum.
2. How to solve the problem after the overdue credit card is put on file
The debt incurred by the party due to the overdue credit card belongs to the civil debt, so it is suggested that the party should repay the arrears as soon as possible, so that the bank will not pay the debt to the party.
if the collection of malicious overdraft is invalid at the issuing bank, in addition to immediately stopping payment, you should also contact the guarantor as soon as possible and ask him to fulfill the guarantee responsibility when it expires. If the guarantor refuses to perform his guarantee responsibility, he should take judicial measures to solve it. China's Criminal Law defines malicious overdraft as a kind of credit card crime, and its constitutive requirements are as follows:
1. The cardholder is a legal cardholder. If he embezzles or fraudulently uses another person's credit card, it constitutes or fraudulently uses another person's credit card, but does not constitute malicious overdraft.
2. Subjectively, the cardholder is direct and intentional, and has the purpose of illegally occupying bank funds.
3. The cardholder has objectively committed malicious overdraft, causing economic losses to the issuing bank.
4. The cardholder refuses to return it after being urged by the issuing bank, and the amount is large or it takes a long time to reach the penalty.
for the malicious overdraft behavior that meets the above constitutive requirements, the public security organ may file a case for investigation in accordance with the relevant provisions of China's Criminal Law and Criminal Procedure Law, and the procuratorial organ may file a criminal lawsuit against the people to investigate the criminal responsibility of the malicious overdraft behavior.
3. Consequences of overdue payment of credit cards
1. Bad credit records;
2. Interest: calculated at .5 ‰ per day;
3. liquidated damages;
4. Malicious credit card overdraft may also face criminal punishment;
5. Banks are blacklisted.
overdue negotiation repayment process of CCB's credit card
If CCB wants to negotiate repayment after the deadline, it basically follows the following processes:
1. Actively contact the bank. You can call CCB's customer service hotline "95533" to submit your application for negotiation, or you can go directly to CCB's offline business office to communicate with the customer manager and other staff.
2. Explain your personal situation. Since you want to negotiate repayment, you should explain your situation to the staff and produce effective proof, such as proof of difficulty, proof of poverty, etc., indicating that you are not unable to pay back the money, but can't afford it.
3. Show willingness to repay. To show your sincerity in negotiation, you can repay part of it in advance as sincerity, and then agree with the bank how much you are willing to withdraw from your salary every month, use it for credit card repayment, and apply for how many installments to pay it off.
if the bank recognizes your situation and adopts your opinion, it will contact you to agree on the subsequent installment plan, which can be paid off in 6 installments at the longest.
CCB credit card overdue processing flow
1. Take the initiative to contact CCB Credit Card Center, dial the unified customer service number of 95533, briefly explain the key points, including the reasons for overdue credit cards and their own economic difficulties, and put forward an application for negotiation and staging.
This concludes the introduction of how to negotiate repayment with credit card banks and how to negotiate repayment with credit card banks. Did you find the information you need?