Five steps to suspend interest rates and hang accounts:

1. Sort out your debts and contact them proactively

After overdue, sort out the debt situation in a timely manner, such as some credit cards, online loans, etc. Situation, summarize the minimum installment situation negotiated with the bank and accept it!

Then take the initiative to contact the bank, inform yourself of your situation, your willingness to repay, and explain why you cannot pay it off in one go and cannot afford the debt. You want to apply for personalized installment repayment, and tell yourself that you can afford it. The number of installments and some documentary evidence, let the bank register it, and then wait for the bank’s return call. This is similar to negotiating overdue treatment (ps: Don’t talk nonsense about the reasons. If there are difficulties, there are difficulties. Favorable conditions must be put in place. Don’t mention anything that shouldn’t be mentioned, remember, you must have a good attitude)

2. Don’t run away from debt collection

The specific manifestation is that since the overdue date, you have to communicate with bank insiders or What is the attitude of the third party in collecting debts, and whether they sincerely express their needs and attitude. If the cardholder himself uses bad language, lies, loses contact, etc. during the collection period, then your chance of applying for a suspension of debit will be greatly reduced.

3. Have certain financial and repayment capabilities

As the saying goes, "rescuing the emergency does not save the poor." The basis for the bank to agree to negotiate must be that it knows that it can recover the arrears. Then the debtor must provide corresponding proof of work, or proof of salary flow, etc., to show that he has a stable job or source of income. As long as he can be paid in installments, he can repay the loan as scheduled every month. It's just that the current situation is special and unbearable.

4. Pay attention to details in negotiations

When receiving a call, first confirm whether the other party is a bank employee and write down the employee number.

If you still don’t receive a reply, you can negotiate with the bank again. If the other party keeps going around in circles and doesn’t agree to the installment repayment, you can directly call the Banking Regulatory Commission at 12378 to complain!

Be sure to ask the customer service number of the other party. If no one solves the problem later, you must call in again and ask the previous customer service about the process.

5. Wait for review and call again!

Generally, as long as supporting materials are provided, it will basically pass. After passing the review, the repayment agreement will be signed. Some banks sign the contract electronically (the bank will record it), and some require a written signature from an offline outlet. You can then make repayments according to the repayment plan.

We teach the technical principles of interest-free and pending accounts. All methods and technologies are 998, and individual intermediaries can learn them. As an important part of the national credit system, the negotiated repayment mechanism is inevitable, and its existence also has rationality.