If your CCB credit card is overdue for 5 years and you want to negotiate, it is best to bring your ID card and credit card to a CCB branch for negotiation and give reasons that convince the bank. For example, if you provide proof of minimum living security, proof of serious illness, or even proof that the cardholder has been jailed, the bank will not forgive the cardholder's overdue behavior for 5 years, and will not allow the cardholder to be overdue for 5 years. After your credit card is overdue, you can contact the customer service staff of the card-issuing bank to explain that it is difficult to repay and negotiate for installments. As for whether the bank will agree, it depends on the specific situation of the cardholder. If the bank finds that it is indeed unable to repay the loan, it can specify a personalized repayment plan, such as re-instalment or interest rate suspension.

If a credit card is overdue for 5 years, the amount will generate huge interest, and personal credit cannot be guaranteed. No bank will lend to you until your balance is paid off. Even if you pay off the overdue debt, it will continue to show up on credit checks for 5 years. In the past five years, other banks have seen the phenomenon of payment cessation and will handle loans carefully.

According to relevant department regulations, if the overdue amount exceeds the actual repayment ability, repayment can be negotiated. If your principal and interest are small, the bank will generally not agree to your application, but if the interest is much or even higher than the principal, the bank will be more likely to agree to repay only the principal. Call the bank, be reasonable and emotional, show the bank your difficulties and your willingness to repay. At the same time, they should also provide proof of financial difficulties, such as unemployment, illness, etc., but the final success depends on the bank.

The principal repayment method for CCB credit cards that are overdue for many years is as follows:

1. First determine the total principal and interest you owe. If your principal and interest are small, the bank will generally not agree to your application, but if the interest is much or even higher than the principal, the bank will be more likely to agree to repay only the principal.

2. During the overdue period, no matter how much it is, you must pay back some money every month. While you don’t have to pay the minimum, it’s always good to pay some money back each month.

3. Call the bank, be reasonable and emotional, express your difficulties to the bank, and express your willingness to repay. But ultimately success depends on the banks.

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