1. How to negotiate for Ping An Bank credit card?

Answer: After 90 days are overdue, call the Shenzhen Bank Promotion Association to report the situation and request for mediation, fill in the mediation application form as instructed, and submit the low-income certificate or family member's disease certificate and ID card, as well as your personal phone number. And be prepared to file a credit report. After a few days, Ping An Bank will arrange for relevant personnel to negotiate the installment. At that time, relevant certificates will need to be uploaded to the designated email address again as required.

It should be noted that before a satisfactory result is achieved, such as the number of installments and the amount of repayment in each installment, do not sign the withdrawal of the lawsuit easily. If you are still unable to afford the installment results, you can call the Shenzhen Banking Promotion Association again and inform the safe installment plan, your own situation and your family’s affordability, and request to participate in coordination again.

2. I have a China Merchants Bank credit card worth RMB 54,000, and I have paid back RMB 30,000. Now I still have RMB 44,000 to repay. How can I negotiate for interest reduction or exemption in installments?

Answer: First prepare the salary certificate (2000 to 3000) or family member's disease certificate and credit report, call the Shanghai Banking Mediation Center to report the situation, request mediation, and fill in the mediation application form as required. Upload family members' illness or salary certificates and ID cards, and keep your phone number.

In about a week, 021 China Merchants Bank’s card department or customer service will discuss the installment matters. It should be noted that there must be a detailed installment plan (such as how much reduction, how many installments, and how much to repay in each installment). Sign the contract after the negotiation is successful. Withdrawal of the complaint.

If you are not satisfied with the installment result, you can call the above phone number to report again, inform the bank of the installment plan and explain that you and your family are unable to afford the installment plan given by the bank due to the epidemic. Please intervene to coordinate the reduction and exemption between you and China Merchants Bank. A matter of installments!

3. The CCB RMB 40,000 is overdue for three months and the bank refuses to negotiate. What should I do? (Same operation as Industrial Bank)

Answer: Call the Shanghai Banking Mediation Center and indicate that your family is in difficulty and you want to resolve the debt dispute with the CCB credit card through installment repayment. Please intervene in mediation. Or WeChat Shanghai Petition, click I want to write a letter to the Shanghai Banking Regulatory Bureau in Pudong New District, Shanghai, where the incident occurred: leave your information, save your ID card, and leave your phone number.

4. How to negotiate installments and reduce the down payment for an overdue CITIC credit card of RMB 60,000?

Answer: You can call the Shenzhen Bank Promotion Association to report the installment situation, explain your family’s difficult situation and cannot afford the 20% down payment, and request intervention to mediate between yourself and CITIC to reduce the down payment. Generally speaking, after CITIC complains and negotiates, it seems that a down payment of at least RMB 10 is required, and the remaining balance is reduced or deducted from liquidated damages and then divided into installments.

5. Everbright Bank is overdue for RMB 24,000, one year overdue, and forgot to pay it back. Now the bank demands full repayment and threatens to sue. Can installments be negotiated in this situation?

Answer: Call the Beijing Banking and Insurance Regulatory Bureau and complain about Everbright’s malicious debt collection. At this time, the China Banking and Insurance Regulatory Commission will first ask you to negotiate with China Everbright Bank on your own. If negotiation fails, it will intervene in the coordination. The best times to call are between 9 a.m. and 1:30 p.m.