overdue negotiation repayment process of CCB's credit card

If CCB wants to negotiate repayment after the deadline, it basically follows the following processes:

1. Contact the bank actively. You can call CCB's customer service hotline "95533" to submit your application for negotiation, or you can go directly to CCB's offline business office to communicate with the customer manager and other staff.

2. Explain your personal situation. Since you want to negotiate repayment, you should explain your situation to the staff and produce effective proof, such as proof of difficulty, proof of poverty, etc., indicating that you are not unable to pay back the money, but can't afford it.

3. Show willingness to repay. To show your sincerity in negotiation, you can repay part of it in advance as sincerity, and then agree with the bank how much you are willing to withdraw from your salary every month, use it for credit card repayment, and apply for how many installments to pay it off.

if the bank recognizes your situation and adopts your opinion, it will contact you to agree on the subsequent installment plan, which can be paid off in 6 installments at the longest.

CCB credit card overdue processing flow

1. Take the initiative to contact CCB Credit Card Center, dial the unified customer service number of 95533, briefly explain the key points, including the reasons for overdue credit cards and their own economic difficulties, and put forward an application for negotiation and staging.

how to negotiate repayment of CCB credit card

CCB credit card can negotiate repayment by installment, and the methods are as follows:

1. Open the mobile phone CCB app and click the place indicated by the arrow in the upper left corner of the page.

2. Next, click Login.

3. Next, go back to the previous page and click on the credit card.

4. after entering the credit card page, click repayment by installment.

5. Next, click the bill installment.

Can the credit card of China Construction Bank negotiate repayment?

When the credit card of China Construction Bank fails to repay on the repayment date or overdue, it can negotiate with China Construction Bank and agree on the repayment date. Basically, as long as you have a good attitude and show that+++is not working at present, CCB will agree to negotiate repayment.

after the repayment plan is agreed with CCB, the borrower must repay in strict accordance with the relevant agreement, otherwise it will still be counted as overdue repayment. During the negotiation of repayment, we should pay attention to several points: sincere attitude; secondly, we should insist on making more phone calls or directly going to the bank outlets to consult with the staff face to face, because the ultimate goal of the bank is to recover the money, and there may be a high interest during the negotiation, which is also negotiable.

Extended information:

Credit card will not be credited if it is overdue for one day, and will be credited if it is overdue for three days. The grace period of each bank is also different. Most banks have three days (this is a natural day, not a working day).

1. On the due date of repayment, if the cardholder fails to repay in time, there is a grace period. If the money is repaid within the grace period, there will be no penalty interest and it will not be uploaded to the credit information system. However, if the money is not paid back after the grace period, it is likely to be uploaded to the personal credit information system.

2. If the cardholder has insufficient repayment in the current period, and the unpaid part in the account is less than or equal to a certain amount after the due repayment date, it shall be regarded as the cardholder's full repayment, and this unpaid amount will be automatically transferred to the next bill, and this situation will not be recorded in the bad credit report.

In p>213, the Bank Card Professional Committee of China Banking Association issued the "China Bank Card Industry Self-discipline Convention", which requires the card-issuing bank to clarify the interest-bearing rules for cardholders, provide repayment "time tolerance" services, and increase repayment tips.

1. Time-tolerance overdue

Time-tolerance overdue means that if the cardholder fails to repay in time on the repayment date, there is a grace period. If the money is repaid within the grace period, there will be no penalty interest and it will not be uploaded to the credit information system. However, if the money is not paid back after the grace period, it is likely to be uploaded to the personal credit information system.

generally, considering that customers may encounter this situation, banks give customers who fail to repay on time a grace period of up to 3 days, and only need to settle the bill before 17: on the last day, which is regarded as the timely settlement of the current bill.

2. Tolerance overdue

Tolerance overdue means that if the cardholder has insufficient repayment in the current period, and the unpaid part in the account is less than or equal to a certain amount after the due repayment date, it shall be regarded as the cardholder's full repayment, and this unpaid amount will be automatically transferred to the next bill, and this situation will not be recorded in the bad credit report.

In order to better protect customers' rights and interests, banks generally implement tolerance repayment. If a small amount is inadvertently forgotten, as long as it is RMB (or USD 2/EUR 2) or less in 1 yuan, you can still enjoy the same interest-free repayment treatment as full repayment.

Consequences of overdue credit card

1. Pay overdue fine for credit card. When the cardholder fails to repay before the due repayment date (inclusive) or the repayment amount is less than the minimum repayment amount, he shall pay the agreed late payment fee to the card-issuing bank in accordance with the contract.

2. generate overdue interest. After a user overdraws with a credit card, there is generally an interest-free repayment period ranging from more than 2 days to more than 5 days. If this period is exceeded, the corresponding overdue interest will be paid.

3. bear criminal responsibility. If it constitutes a credit card++crime, it will face+++or+++for less than 5 years, more than 5 years and less than 1 years, and impose a fine of 2, yuan to 2, yuan, 5, yuan to 5, yuan or confiscation of property.

what is the agreed repayment by credit card?

agreed repayment by credit card refers to a repayment method in which a credit card is bound with a savings card held by an individual and automatically deducted from the savings card on the repayment date, and the savings card is bound as an agreed repayment account.

the agreed repayment methods include full repayment and repayment amount, and the corresponding amount will be withheld in the agreed repayment account according to the selected repayment method before the repayment date expires.

agreed repayment by credit card can effectively prevent the loss caused by the cardholder's forgetting to repay, but the premise of withholding is to ensure that the balance in the savings card is sufficient in advance to avoid automatic repayment failure.

a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

The credit card stipulated in the relevant laws of our country (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the CreditCard standard is Credit Card.

credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the BillingDate.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

from January 1, 221, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate).

On May 25th, 221, the Supreme People++promulgated and implemented the Provisions of the Supreme People++on Several Issues Concerning the Trial of Civil++Cases of Bank Cards.

Can CCB negotiate repayment with its credit card?

Yes. According to the inquiry of CCB official website, CCB credit card can negotiate repayment.

1. between the repayment dates, call the customer service telephone number 95533 of China Construction Bank, or go directly to the branch counter of China Construction Bank.

2. Provide valid personal identification documents and personal financial conditions, indicating that you don't want to have overdue records.

3. Negotiate the repayment plan of arrears with China Construction Bank, including repayment period, repayment fee, etc.

4. After reaching an agreement with China Construction Bank, repay the arrears in full and on time according to the agreed repayment date.

CCB's credit card is set with automatic repayment. What is the specific repayment time?

It's 7: a.m., so you need to deposit the money before 7: a.m..

Automatic repayment means that my current savings account opened in CCB is bound as a credit card agreed repayment account (two agreed repayment accounts are supported for RMB account and++account respectively, and both accounts must be the same branch), and the deduction method is specified (according to the full repayment amount or the minimum repayment amount) to automatically repay all CCB credit cards in my name.

CCB will automatically repay the loan on the morning of your due repayment date every month. Please deposit the repayment amount into the agreed repayment account before 7: am.

warm reminder: the agreed repayment can be made in the same currency or++after purchasing foreign exchange in RMB. If the deduction is not successful on the same day due to the system processing time difference and other reasons, CCB will make a supplementary deduction on the morning of the third day after the due repayment date, and the successful supplementary deduction is still regarded as normal repayment.

Extended information

Time for repayment of CCB credit card:

1. Repayment of CCB credit card

If you make repayment through CCB outlets, self-service terminals, online banking, mobile banking and WeChat, the credit line will be restored in real time. If repayment is made through the agreed account, the credit card limit will be restored in real time after the deduction of the savings card is completed. If you make repayment through a third-party payment agency, the arrival time is different. If you need to handle the cash withdrawal business, you must wait for the repayment transaction to be recorded before you can restore the cash withdrawal amount.

2. Repayment for other banks' credit cards

belongs to inter-bank transfer, which will affect the arrival time of inter-bank transfer due to the transfer channel and amount.

China Construction Bank-What is the agreed account repayment

China Construction Bank-When will the credit card repayment arrive

Let's stop here for the introduction of the agreed credit card repayment of CCB.