Nowadays, more and more people are applying for credit cards. Users can consume within the credit limit and pay back on time without any fees. However, some people have activated the automatic repayment function, so someone asked how to cancel the automatic repayment of a credit card? You can take a look at the following ways.
Go to the management field, find the bound debit card, and follow the prompts to unbind the debit card to cancel automatic repayment.
Or you can call the customer service hotline of the card issuing bank, enter your personal information according to the prompts and then be transferred to the manual customer service. Tell the customer service to cancel the self-service repayment. The customer will tell you how to operate, and then you, with the assistance of the customer service, Just cancel it. In addition, after the cancellation is successful, the bank will no longer automatically deduct funds in the same month, which requires everyone to manually repay the money.
Can I negotiate installments if my China Merchants Bank credit card is overdue?
Whether I can negotiate installments if my China Merchants Bank credit card is overdue depends on the situation:
If an individual is unable to repay, If your credit card is overdue, you need to explain the reason to China Merchants Bank Credit Card Customer Service, and repayment can be negotiated.
If the individual has the ability to repay, but the cardholder still refuses to repay the loan and it is overdue, then the installment payment cannot be negotiated.
Action suggestions:
1. When the cardholder is overdue for about one month at first, the bank clerk will call to remind the cardholder to pay attention to timely repayment. At this time, the main reminder will be given;
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2. If the overdue period exceeds one month, the bank's collection department will call to collect. If the collection still fails, the bank will generally hand over the collection work to a third-party outsourcing agency. At this time, the collection amount will be will increase;
3. When the overdue period exceeds 3 months and the cardholder still fails to repay, and there is malicious overdue behavior, evasion, etc., the bank will consider filing a lawsuit against the cardholder in court;
4. As long as the overdraft is not malicious and the attitude is good after the overdue period, the bank will not be held criminally responsible if it is sued to the court later. It only needs to be implemented according to the court's judgment. Finally, it is worth noting that all banks Overdue credit card records will be reported to the People's Bank of China's personal credit reporting system.
Legal basis:
Credit cards stipulated in the "Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations" refer to consumer payment functions issued by commercial banks or other financial institutions. , credit loans, transfer settlement, cash deposits and withdrawals and other electronic payment cards with full or partial functions.
Credit Card
In fact, after automatic credit card repayment is activated, the bank will deduct the money from the debit card and pay it back to the credit card on the final payment date to avoid overdue situations. Of course, cardholders can also choose to cancel, such as logging into the credit card issuing bank’s online banking and going to the repayment management page.