1. Users can call the bank's customer service hotline to express their personal negotiation intention and ask about the amount, principal, interest, liquidated damages and other expenses;

2. Truthfully provide relevant certification materials as required by the bank;

3. If individuals can't reach an affordable repayment plan, or bank personnel deliberately create difficulties and obstacles, they can complain to the relevant departments to safeguard their legitimate rights and interests.

The above is how to communicate with the bank to stop the credit card.

What do you mean, stop paying?

Stop refers to the customer's failure to repay the credit card debt or loan on time due to special circumstances. After consultation with the bank, the bank suspended interest on schedule, leaving arrears. Generally speaking, to stop paying interest means to owe money first, but the account will not be eliminated and will be paid back later. Under special circumstances, the issuing bank can negotiate with the customer fairly to verify that the amount owed by the credit card exceeds the customer's repayment ability, and the customer still has the willingness to repay. The term of personalized repayment agreement shall not exceed 5 years. Cardholders need to take the initiative to contact the bank customer service, explain the situation and ask if they can apply for suspension of payment. This article is mainly about how to communicate with banks about credit card suspension and deduction, for reference only.