1. How to handle the repayment method of stopping interest and hanging account?

1. Clean up your debts and contact the bank actively.

Whether it is a credit card or an online loan, sort out the liabilities in time after the deadline and negotiate with the bank to reach a repayment plan that can be completed.

Take the initiative to contact the bank, clearly tell the bank that you have a strong willingness to repay, and explain why you can't pay off your debts. You want to apply for personalized installment repayment and provide some supporting materials that the bank needs. Then we just need to wait for the bank's call back for review.

2, prove that there is a certain income and repayment ability.

As the saying goes, the bank agrees to apply because it knows that it can recover the arrears. So you need to provide all kinds of proof of faith, indicating that you have a stable income and can repay on schedule every month.

3. Pay attention to details when negotiating.

When negotiating with the bank, you must pay attention to the recording and tell the customer service what difficulties we have caused by overdue. But I have a good willingness to repay and the ability to repay by installments. According to the regulations, my situation is completely in line with the personalized installment business. Whether you agree or disagree, you should record it, and tell the other party that I have recorded it, because the recording of telling the other party is legally binding.

4. Waiting for the audit call

Generally, as long as proof materials are provided, they will basically pass. After the approval, the repayment agreement will be signed. Some banks sign contracts electronically (banks will have recordings), and some need written signatures from offline outlets. After signing, they can repay according to the repayment plan.

2. What are the application conditions for stopping suspense?

1. I am willing to repay.

2. I have the ability to repay by installments.

I am overdue and can't pay it off at one time.

I want to return to a quiet life, no more money, and I don't want to be sued.

5. It is really unable to bear the debt, and has a good will to take the initiative to bear the debt, and does not escape the broken jar and the collection;

Third, how many years can the account be closed?

Suspension of interest payment can be suspended for up to 5 years, that is, users can repay in 60 installments. However, most users cannot apply for 60-period deferred repayment. Users can try to apply for suspension of interest payment after their credit card or loan business is overdue. As for the success of the application, the reply given by the bank shall prevail. If the application fails, the user must pay off the overdue debt as soon as possible.

You can apply for up to 5 years, that is, 60 issues. The application process is mainly to prepare relevant materials and applications, and then negotiate with the bank to wait for news. The application conditions for suspension of interest payment include that I am willing to repay, and I have the ability to repay by installments. I can only apply for suspension of interest payment after the deadline.