Many people want to go to the bank to apply for a credit card to stop payment, but the bank always refuses to do this business. Why? There are two reasons.

Reason one: the situation is not serious: the bank's risk control system will be measured according to your real-time qualifications and the bank's policies. If the bank risk control thinks that you still have repayment ability, then the bank will not agree to repay by installments to ensure the bank's business profit.

Reason 2: The situation is too serious: after comprehensive evaluation of the cardholder's qualification, the bank thinks that it is difficult to recover the funds and the willingness to repay is low, so it is generally followed up by a third-party collection agency. Third-party organizations will use various methods to perform the contract, and they have no rights, so they will not agree to negotiate in stages.