1. How to negotiate with the bank to solve the overdue credit card?

After the credit card is overdue, the cardholder needs to adjust his mentality, sort out the debt situation, and then take the initiative to contact the bank to clarify his specific financial situation, such as liabilities and income, so that the bank can know that you are insolvent and have a fixed income, but you can't cover all the liabilities at present. Then tell your requirements, such as how much you can pay back in a month and how much you can pay in installments. Generally speaking, banks will not refuse applications.

Of course, according to everyone's different situation, the bank will review the application and repay the loan as planned after the approval. It should be noted that when putting forward your own demand for negotiation and installment, this demand must be reasonable, generally between 12-60, depending on your credit card limit and your repayment ability. For example, your family only has 1 000, so it is definitely unreasonable to ask for 60 installments. It is difficult for banks to agree.

Second, credit card overdue and bank negotiation skills

Pay attention to the following points when negotiating personalized staging with banks.

Contact the bank actively.

When the credit card is overdue, the debtor should contact the bank as soon as possible to explain that the overdue is caused by special reasons, not malicious overdue.

Express willingness to repay

Generally, only the cardholder will think that the other party is willing to repay, but in fact everyone is still paying interest, so the cardholder must express a strong willingness to repay.

Prove the current economic situation

When you stop paying interest, you must prove that you have special circumstances, and you can produce evidence and materials to prove that your economy is not good, which can effectively improve the success rate of your application.

After successful handling, there must be no second breach of contract, otherwise it will be prosecuted by the bank, and in serious cases, it will bear certain criminal responsibility.

3. What if the negotiation between the credit card and the bank fails?

Basically, in the process of negotiating with the bank, it is not easy to agree at first. At this time, Article 70 of the Measures for the Supervision and Administration of Credit Cards of Commercial Banks can be removed, which generally means that the debtor is unable to repay under special circumstances and the debtor still has the willingness to repay. Banks can negotiate with debtors on an equal footing, and the longest repayment time of personalized installment agreement shall not exceed 60 installments. If the bank still disagrees, it can sue the CBRC.

Pay attention to record all calls when receiving collection calls and later communication and negotiation calls. Collect calls can be answered selectively, as long as you make sure you haven't lost contact. In the process of communication, make it clear that you are not unwilling to return it, don't say no, and don't leave the handle in the hands of others, so that these recordings can be used as evidence of complaints.

Special circumstances can click the consultation button on the right. The website provides professional lawyers to answer questions, help you solve the repayment problem and let you return to your normal life.