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Is it useful to call 12378 for the Banking Regulatory Bureau to intervene in the credit card negotiation for repayment?

1. Is it useful to call 12378 to ask the Banking Regulatory Bureau to intervene in credit card repayment negotiations?

It is useful. 12378 is the number of the Banking Regulatory Commission and can help card holders People go to the bank to apply for installment negotiation.

Generally speaking, after the credit card is overdue, as long as the cardholder has the ability to repay, he will hope to reach an agreement with the bank to negotiate installment repayment, because after reaching an agreement, he can reduce his penalty and interest. By reducing the amount, your repayment pressure can also be alleviated. But negotiation is not easy, and many banks will refuse. At this time, we can call the China Banking Regulatory Commission for help.

The China Banking Regulatory Commission is equivalent to a supervisory department that supervises banks. It can help coordinate financial disputes so that cardholders and banks can reach a consensus to resolve conflicts. However, the China Banking Regulatory Commission is not omnipotent and cannot solve everything 100 times. 100% help cardholders achieve their goals. Therefore, calling 12378 may not completely solve the problem, but the staff of the China Banking Regulatory Commission will help coordinate. Generally speaking, banks will be willing to negotiate installments after coordination.

2. How to reduce or reduce overdue interest on credit cards

When applying for personalized installment, add a reduction application form to reduce or reduce overdue interest on credit cards.

After the credit card is overdue, as long as it is not a malicious default, it can be reduced. Failure to repay the credit card overdue is a breach of contract. The bank can require the cardholder to repay the principal as well as overdue interest, late payment fees, over-limit fees, etc. At the same time, the bank can apply to freeze the cardholder's card and classify it as a prohibited customer ( blacklist), sue the court and apply for enforcement. If a cardholder maliciously overdrafts a certain amount for the purpose of illegal possession, and the card is overdue by more than RMB 10,000, and the card-issuing bank has collected it twice and still fails to pay it back more than three months later, he will be suspected of credit card fraud and will bear criminal responsibility.

Overdue credit cards should generally be repaid in a timely manner. When a credit card is overdue, the bank will send text messages and phone calls to collect payment. It is best for cardholders not to resist. The bank will call and answer the call as soon as possible. Do not think that you can not answer the phone or change your number because you have no money to pay overdue. If the bank cannot be contacted, the bank will only think that the cardholder is maliciously avoiding debts and will call the cardholder's contact person.

It is useful for the Banking Regulatory Bureau to intervene in credit card overdue issues. Cardholders submit an application for reduction or exemption to the bank and explain their financial situation. With the bank's approval, the overdue interest on the credit card can be reduced or reduced. A credit card can only be obtained by applying to the bank. An overdue credit card will affect the cardholder's personal credit, incur late payment fees, and may result in lawsuits from the bank.