How long can I stop paying with my credit card?

1. If the credit card is overdue for one or two months, the bank will not agree. It is best to apply again after three months, and the probability will be much higher.

2. Many people want to apply for suspension of credit card repayment when their credit cards are overdue, because they are afraid of being collected, which will result in high interest and liquidated damages. "Suspension of credit card payment" means to stop generating interest, remember the accounts first and not pay back the money for the time being. In fact, banks really don't have this business. "Stop paying the bill" is just an expression of the outside world, and there is no basis. So everyone was rejected when negotiating with the bank because there was no such business.

Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks stipulates that under special circumstances, if it is confirmed that the amount of credit card arrears exceeds the cardholder's repayment ability and the cardholder still has the willingness to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years.

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication cases and make detailed and targeted answers for you, so as to avoid incorrect answers due to incomplete information and poor communication. I wish the rights protection success.