How to negotiate with the bank to resolve an overdue CCB credit card

The repayment process for overdue CCB credit cards is as follows:

1. Cardholders need to contact the bank in a timely manner For details, you can go to the counter of China Construction Bank to communicate directly with the staff, or you can call CCB's customer service hotline 95533.

2. Cardholders must provide their valid identity documents to CCB staff, as well as documents proving their financial status, such as poverty certificates, etc., to prove that they cannot repay the money within a short period of time. payment.

3. Cardholders should express their willingness to repay to CCB staff, and then negotiate with the staff on how to repay, including the repayment date, the amount to be repaid every month, etc.

4. If the bank agrees to the repayment agreement, the cardholder only needs to make monthly repayments as stipulated in the agreement.

What is the process for overdue processing of CCB credit cards?

1. Take the initiative to contact the CCB Credit Card Center, dial the unified customer service number 95533, and briefly explain the key points, including the reasons for the overdue credit card and yourself. In case of financial difficulties, apply for negotiated installment.

2. Submit the materials required for negotiation, including your income, debts, bank statements, proof of difficulties, etc. The materials must not only be based on reality and ensure authenticity and validity, but also highlight your financial difficulties for the purpose of applying for installment.

3. Cardholders should pay attention to expressing their willingness to repay, and when communicating with negotiators, take the initiative to propose the repayment period and the amount they are willing to repay every month. The final right of interpretation lies with the bank, and everyone only needs to wait for the results of the review.

What are the consequences of an overdue CCB credit card?

An overdue credit card will lead to:

1. The overdue credit card information will be recorded in the personal credit record, and you will be able to borrow money to buy a house in the future. , buying a car and applying for a credit card may be affected by this.

2. If the payment is not repaid in full by the due repayment date, interest will be accrued on the relevant consumption transactions from the date when the consumption is recorded, and compound interest will be accrued on a monthly basis. If the customer's repayment amount is less than the minimum repayment amount, a repayment penalty will be paid based on a certain proportion of the unpaid portion of the minimum repayment amount.

(In case of business changes, please refer to the actual situation.)

Negotiation and repayment process for overdue credit cards of China Construction Bank

If you want to negotiate repayment of overdue credit cards of China Construction Bank, basically Follow the following procedures:

1. Contact the bank proactively. You can either call CCB's customer service hotline "95533" to submit your negotiation application, or you can go directly to CCB's offline business locations and communicate with account managers and other staff.

2. Explain your personal situation. Since you want to negotiate for repayment, you must explain your situation to the staff and provide valid certificates, such as proof of hardship, proof of poverty, etc., to show that you are not refusing to repay the money, but that you cannot afford it.

3. Show willingness to repay. You need to show your sincerity in the negotiation. You can pay back part of it in advance as a sign of sincerity, and then agree with the bank how much you are willing to draw from your salary every month to repay the credit card, apply for how many installments to pay it off, etc.

If the bank recognizes your situation and adopts your opinion, it will contact you again to agree on a subsequent installment plan, which can be repaid in up to 60 installments.

CCB Credit Card Overdue Processing Process

1. Contact the CCB Credit Card Center proactively, dial the unified customer service number 95533, and briefly explain the key points, including the reasons for your credit card being overdue and your financial difficulties. situation, submit an application for installment negotiation.

What should I do if my CCB credit card is overdue? Can I negotiate with the bank?

If my CCB credit card is overdue, there is no need to negotiate with the bank. CCB has a repayment grace period, and the time is the due repayment period. If you repay within the repayment grace period on the third day in the future, CCB will treat it as on-time repayment.

If the repayment is not successful on the day due to transfer time differences and other reasons, please ensure that the repayment amount is received before 7:00 am on the third day after the due payment date, and it will still be regarded as normal repayment.

Consequences of overdue payment:

1. Liquidated damages are incurred, usually 5% of the minimum repayment amount and the unpaid portion.

2. The interest is high, and the interest is compounded. The interest rate is very scary when the debt is large.

3. Overdue credit records will be stained, resulting in the inability to handle financial needs such as house purchases and loans within the next two years.

4. If the payment is overdue for more than 3 months, and the amount exceeds RMB 10,000, and the bank has failed to pay multiple reminders, you will not only have to bear the repayment, but may also bear criminal liability.

Extended information:

If a CCB credit card is overdue, it will not only require the cardholder to pay late fees and interest to CCB, but will also affect the cardholder's personal credit record. If there are more than 3 bad records (3 overdue) within 12 months, CCB can freeze the credit card at any time and synchronize the bad records to the People's Bank of China.

Cardholders who apply for credit cards, car loans, mortgages, etc. from each bank within the next five years may be denied. If it is overdue, China Construction Bank's overdue payment standard is that the minimum repayment amount does not exceed 5%.

For the full amount of 2,000 yuan, the minimum repayment amount is generally 10 or 200 yuan, and then the late payment fee is 2,000 yuan). Additionally, if not repaid in full, interest will be charged on each purchase from the account date at a rate of 5 per 10,000 per day until the purchase is repaid.