Yes, there are cases where Bank of China successfully negotiated for a reduction or exemption after the credit card was overdue for two years.

First, through active communication and negotiation with the Bank of China’s credit card department, you can have the opportunity to obtain partial fee reductions. You can make a request for relief from your bank and explain your financial hardship and your reasons for the relief.

Second, the key to successful relief is to provide the bank with a detailed financial picture and a feasible repayment plan. You can submit proof of your income, assets and conduct a detailed financial analysis to the bank to prove that you are truly unable to repay the loan in full and on time. At the same time, propose a reasonable installment repayment plan to show your willingness and ability to repay.

Third, the longer the credit card is overdue, the smaller the chance of successfully obtaining a deduction. Therefore, it is very important to contact the bank early and take effective repayment measures.

To sum up, through active communication and detailed explanation of your financial situation, you have a chance to successfully negotiate for a reduction of overdue fees on Bank of China credit cards.

Extended information:

Banks usually take certain recovery measures against overdue credit card holders, such as pursuing legal means to recover arrears. However, banks are also aware that some cardholders may be unable to repay on time due to temporary financial difficulties, so they will consider waiving part of the fees under certain conditions.

It is important to note that the outcome of each case will vary based on the specific circumstances. Not all requests for relief will be accepted and banks reserve the right to make decisions on a case-by-case basis. Therefore, provide detailed information and a reasonable explanation of your financial situation when negotiating relief.

The above is the answer about the possibility of successfully negotiating a reduction or exemption after the Bank of China credit card is overdue for two years. Hope this helps.