1. How to call the bank to negotiate repayment?

1. Take the initiative to call the bank’s customer service number, communicate with the staff, and tell them why they did not repay the loan in time and explain when they will be able to repay.

2. Go to the counter of the bank branch to negotiate and determine the repayment time, and guarantee that it will be returned.

3. Record the entire negotiation process.

4. It is impossible for the bank to promise to repay only the principal, so the only discussion is how to repay the principal and interest separately on a regular basis.

5. You don’t need to pay too much first, so that the bank can feel that the cardholder is sincere in repaying the money.

Negotiated repayment means that when an individual is unable to repay the debt owed to a bank or financial institution, he or she needs to negotiate with the bank or financial institution for installment repayment and strive for a chance to repay the loan. After formulating a new repayment plan, just repay the loan on time.

2. What materials are needed to negotiate repayment with a credit card?

1. Proof of difficulty. This is proof of family or personal financial difficulties. There are many templates online. After filling them out, you have to have them stamped by the community or neighborhood committee to make them effective.

2. Proof of income. This is not only to confirm the financial situation of the debtor. For example, if you owe 40,000 to 50,000 yuan, but your salary is only 4,000 to 5,000 yuan, it is indeed not enough to pay for the credit card. At the same time, it proves that you have the ability to pay off slowly and in installments.

3. Proof of debt. How much money you owe now, how much credit card debt you have, and whether you have any other debts should be printed out. However, this credit report is also displayed and can be printed directly.

4. Negotiate repayment application. This is equivalent to summarizing the current situation of the debtor and filling out a formal application, including installment or interest exemption, depending on the individual situation and needs of the debtor.

3. Will negotiated repayment affect your credit score?

It does not necessarily affect credit reporting.

1. If the cardholder starts negotiating repayment with the bank after the credit card is overdue and the bank's grace period has passed, even if the bank approves the cardholder's application for negotiated repayment, the previous bad credit record has already been generated. It is irrevocable and will still affect the cardholder's credit information.

2. If the cardholder negotiates with the bank before the credit card expires or before the bank's grace period, and if the negotiation is successful, the bank will require the cardholder to repay in the prescribed manner according to the subsequent agreement between the two parties. . As long as the cardholder no longer defaults, there will be no bad credit record and it will naturally not affect the cardholder's credit information.

Credit cards need to be returned within the stipulated repayment period. If the card holder encounters temporary financial difficulties and has difficulty repaying the credit card, he or she can negotiate with the bank staff before the repayment date for an agreement acceptable to both parties. Repayment plan to avoid overdue behavior. Once overdue, the consequences will be serious, personal credit will be stained, and serious overdue cases will be held criminally responsible.