First, when the credit card is overdue, contact the credit card center as soon as possible and explain the reason for the overdue date.

If our credit card is overdue, we must contact the credit card center as soon as possible. Get in touch with the credit card center and explain to the credit card center the reason for our overdue credit card and express our importance to the overdue credit card.

In the process of communicating with the credit card center, we must inform the credit card center of the reasons for the overdue payment and strive for their understanding. When our credit card is overdue, we should proactively contact the credit card center to express our concern about the overdue credit card. Most credit card centers will understand us.

Second, inform the bank of your income and propose a follow-up repayment plan

When communicating with the credit card center, we must focus on communicating with the credit card center about your income. . We need to inform the credit card center of our current income and expenses, and formulate future repayment plans based on our net income.

We must communicate our future repayment plan with the credit card center and try our best to obtain the credit card center’s approval. The credit card center ultimately hopes that we can repay on time. If we can indeed repay according to the proposed repayment plan, the credit card center will still agree to our plan.

Third, repay the debt on time according to the repayment plan, and if funds allow, try to pay off the debt in advance

After we determine the repayment plan with the credit card center, we must be strict Repay the debt according to the agreed repayment plan. There can only be early repayment and no late repayment.

When our credit card becomes overdue, the credit card center has very low trust in us. If we are overdue again, the credit card center will collect the debt through telephone collection, door-to-door collection, court prosecution, etc. Come to collect money and have a greater impact on our lives and work. Take away some tips on credit card negotiation, thank you!