Generally speaking, overdue credit card is a serious behavior. Once the credit card is overdue, it will be directly included in the personal credit report, and bad records in the personal credit report will affect the application for loans or other credit products in the future. In addition, after the credit card is overdue for 3 months, the bank will file a lawsuit against it. For users who are unable to repay, how should Everbright Credit Card negotiate with the bank if it is overdue?

[1] First of all, the credit card holders of China Everbright Bank should actively respond to the bank's dunning after it is overdue, and don't let the bank find someone and avoid the bank deliberately;

[2] After the credit card is overdue, you should take the initiative to contact China Everbright Bank as soon as possible, explain to the bank the reasons for personal overdue, apply to the bank for deferred repayment and interest concessions, and strive for repayment by installments as much as possible, indicating to the bank that your personal willingness to repay is good;

[3] Show the bank that the individual has a strong willingness to repay, and make a clear plan for future repayment.

in a word, when negotiating repayment with the bank, you should show your willingness to repay to the bank as much as possible, so that you can negotiate repayment successfully.