Credit card arrears can be negotiated to repay only the principal, but whether the bank will agree to repay only the principal depends on the situation. Under normal circumstances, you can only apply for credit card interest relief under special circumstances. Credit card users can apply for repayment through negotiation, but the decision is up to the bank. In fact, regardless of whether the cardholder can negotiate with the bank to repay only the principal, the cardholder still needs to repay as soon as possible.

Measures for handling overdue credit cards:

I. Time tolerance

Generally speaking, the bank provides credit card repayment time and tolerance service: if the cardholder owes less than 10 yuan within 3 days, it will be regarded as timely repayment, and the bank needs to remind him 3 days before the due repayment date of the credit card. In other words, within 3 days after the repayment date, call the customer service center of the issuing bank in time, apply for timing service, and repay in full, so that the credit will not be reported.

It should be noted that the Convention is not mandatory, but only advocates that banks provide time tolerance services for credit card holders, and there is no mandatory provision. Therefore, banks have different standards in the implementation of time tolerance. For example, if the greatest love in the universe persists, there will be no grace period.

Second, the time of credit investigation.

When the credit card is overdue, the time for each bank to report to the central bank for credit information is different, as follows:

1. If the repayment is exceeded, Hitachi will immediately report the credit:

Industrial and Commercial Bank of China

2. If the loan exceeds the grace period:

Agricultural Bank, China Construction Bank, Bank of Communications, China Merchants Bank, China CITIC Bank, Minsheng Bank and China Everbright Bank.

3, the next accounting day to account:

China Bank, Shanghai Pudong Development Bank, China Guangfa Bank, Huaxia Bank and Ping An Bank.

Third, remedial measures.

Since each bank's credit reporting time is different, if it is accidentally overdue, it can be remedied as soon as possible.

1, and repay in full immediately.

In order to ensure the arrival time, it is best to use the debit card of the same bank, and try not to repay through third parties such as interbank or Alipay.

2. Contact customer service to communicate

Explain that the non-subjective malicious breach of contract, due to objective reasons of XX, has not yet repaid, but just repaid.

Fourth, common causes.

1, bank problem

Inter-bank system settlement problems, bank transfer transaction system problems, banks not sending bills or text messages, network and telecom operators not receiving bills, signing automatic repayment without deduction, etc.

Obviously, I didn't see the text message of the bank statement, so I have to say that the operator didn't receive the text message because of network problems, you know.

2. Force majeure

For example, you are temporarily sent away by the company for business trip or going abroad, for example, the local telecommunication cable is cut off, for example, the network equipment is damaged by a typhoon.

Step 3 move people with emotion

For example, I accidentally fell, lost my mobile phone and was bitten by a dog. To sum up, the central idea is to treat it emotionally. There are objective reasons for overdue, not my subjective default, so we must pay attention to it.

4. Lure them to benefit

Discuss with the customer service, if you don't report the overdue facts to the credit or cash withdrawal, then you are willing to pay the protection fee in installments and so on.

Even if the penalty interest is paid, the bad credit record is more worthy of our attention than the penalty interest.