1. How to write the application for repayment of Bank of Communications?
Dear staff of Bank of Communications:
Hello, Mr. _ _ (hereinafter referred to as the client, see the power of attorney) went bankrupt due to business failure at the end of _ _, and all assets have been paid off (your bank can check). At present, the client of your bank is unable to repay the credit card debt. At present, the client still has a school-age child, and at the same time, he has negotiated personalized installment repayment with banks such as China Construction and China Everbright, with meager income and great repayment pressure. The client is very sad and very guilty about your overdue debts. The client is _ _ _ _ years old, with children who are still studying and need to be raised. The pressure of individual installment repayment is great, and the client is in sub-health to earn money and pay off debts, and the time for earning money in the future is obviously running out. In line with the principle of seeking truth from facts, the client cannot repay the principal and the high liquidated damages at one time. Now we propose the following two personalized installment negotiation schemes for credit cards:
The first one: apply for reduction and exemption of liquidated damages, fines, interest, etc., and repay the principal owed by the credit card at 2% for 6 months without any interest.
the second type: apply for reduction or exemption of liquidated damages, fines, interest, etc., and repay the principal owed by the credit card at a discount of 4-6% in one lump sum, without any other interest, fines, liquidated damages, etc.
2. Can the Bank of Communications negotiate interest reduction and exemption for overdue credit cards?
it can be negotiated. If the credit card is overdue due to negligence or objective reasons, the cardholder should contact the issuing bank as soon as possible after the credit card is overdue, explain the facts and reasons of overdue and discuss the solution with the bank. Under normal circumstances, as long as the cardholder pays off the debt in full and on time, the bank will not make any bad comments on the cardholder's usage record, and can also apply for interest reduction and exemption, but will truthfully feedback the card usage and repayment record. It is suggested to keep a good record of consumption and repayment in the future, which will continuously increase the credit.