1. Stop collecting.
2. Stop the growth of interest and liquidated damages.
3. Avoid the risk of being sued.
4. Exempt part of liquidated damages and interest.
But many people still don't know how to apply to the bank.
After 1. expires, take the initiative to call the bank to negotiate. 2. Call 12378 to complain to the bank. 3. Wait for the call from the Bank Complaints Management Department to continue communication. The negotiation process is a protracted war.
The success rate of individual negotiation is low, and it takes a long time to face the risk of being sued. You can also entrust relevant institutions to force installment payment through legal means. I hope all debtors will face up to their debts, can't escape, and face them positively. Their premise is that they have the ability to make money, make a good debt repayment plan, stop losses in time and get rid of the debt crisis as soon as possible!
Under what circumstances will you leave a bad record in the bank:
1. The credit card has been overdue for three consecutive times, totaling six times.
2. The monthly payment is overdue for 2 to 3 months or not returned.
3. The monthly payment of the car loan is overdue for 2 to 3 months or has not been returned.
4. If the loan interest rate increases, the "monthly payment" will still be paid according to the original amount, resulting in overdue interest.
5. Water, electricity and gas charges are not paid on time.
6. Personal credit card appears vicious cash-out behavior.
7. Outstanding student loans
8. If the "Sleep Credit Card" is not activated, there will still be an annual fee. If you don't pay, you will have a negative credit record.
9. Credit card overdrafts and mortgage loans are not repaid on time.
10. When providing a guarantee for a third party, the third party fails to repay the loan on time.
1 1, personal credit reports will also record some court economic judgments. Therefore, economic disputes such as debt will also affect credit records.
12. Mobile phone charges are linked to bank card charges. If you don't go through the relevant formalities after stopping the mobile phone, it will be overdue due to insufficient monthly fee, and it will also cause bad records.
13. Credit card arrears records are generated by others with their own ID cards or copies of their ID cards.
What if the credit card is overdue?
1, overdue within 20 days.
Take the initiative to repay the principal and interest owed, and take the initiative to call the bank to explain that you are not malicious. Overdue due to reasons other than your own, but caused by a third-party institution, such as the annual fee generated by the inactive credit card, can let the bank issue a non-malicious overdue certificate. With this certificate, the loan application and bid will not be affected;
2, overdue for more than 20 days.
If the bank fails to submit your bad record to PBOC, after actively repaying the loan, take the initiative to contact the bank to inform the reason for the overdue, and the overdue record is expected to be eliminated.
If the bad records have appeared in the central bank's credit report, the parties need to repay the principal and late fees immediately, and continue to maintain good credit habits, so that personal credit will repair itself after five years.