1. How to negotiate with the bank to solve the overdue repayment of credit cards?

Overdue negotiation is a personalized installment plan that can be divided into 60 periods at the longest according to your repayment ability and current credit card arrears.

1. First of all, you call the bank's customer service number and switch to manual service, indicating that you are here to negotiate the extension/installment, explaining the reasons for your overdue and non-payment, and clarifying your emergency.

2. In order to prove that you are really difficult, and to buy you more time to negotiate by stages, you'd better provide some information to support it. Unemployed people can use the labor contract termination certificate or unemployment certificate, and those who are seriously ill or treat diseases can use the hospital certificate.

If it is overdue for a long time and you owe a lot, you should pay attention to it, show the willingness to pay back the money actively, and ask for more time to pay off the debt. It is best to take the initiative to pay off part of the arrears first, whether it is fishing or fishing, always let the bank see your sincerity.

2. What should I do if my credit card refuses to negotiate installment after the deadline?

There are too many people who want to negotiate to stop issuing bills, and the bank has to scrutinize them so as not to pretend that you are poor. At the same time, banks often disdain to negotiate with users whose credit information is in a mess and seriously overdue.

1, negotiation failure handling

You can't rely on the bank for everything. It's not a kind institution. If you really don't meet the negotiation criteria, you can ask someone you trust for help, at least save some interest. If you are really honest and have no assets under your name, you can call the banking regulatory bureau and ask a third party to intervene.

2. Negotiation skills

The negotiation is about words, not too stiff and not too tough. You can explain your difficulties, have indispensable supporting materials, and show your expected repayment plan to the bank.

If your current monthly income is more than 5,000 yuan and you owe 654.38+10,000 yuan, you can pay back more than 3,000 yuan every month and negotiate to pay it off in three years. I've already written this step. After several attempts, the bank is likely to recognize that it is better to recover the arrears slowly than not to recover them.

3. Can I negotiate to repay the principal if the credit card is overdue?

For some special difficulties, the interest overdue for several years may be several times the principal, and the bank is not completely ruthless, and there is an opportunity to negotiate to repay the principal.

There is a lot of suffering in the world, and people with bad karma are singled out for bad luck. Every day, people fall into bankruptcy, cancer or other major changes. For this special force majeure factor, you can negotiate with the bank with proof. You have reached the end of the road, but you are still willing to pay back your credit card. The application only pays back the principal.

Even if the liquidated damages and interest cannot be completely exempted, a part can be reduced. In addition, in addition to the above difficulties, penalty interest arising from imprisonment and other reasons can also be reduced or exempted. You don't have to delay the deadline desperately. You can talk to the bank as soon as possible. Anyone who has used a credit card should be familiar with the words overdue and interest, which can be described as the killer of the two major banks. Just one thing is enough to hurt people. When you can't pay back for various reasons, you have to bear all kinds of serious consequences. Of course, you can negotiate with the bank to repay the loan in installments.

Don't panic if the arrears are overdue. Legal aid will be used to negotiate, and professional team lawyers will plan the repayment plan for you.