If you can't repay the credit card arrears of Shanghai Pudong Development Bank, you can negotiate with Shanghai Pudong Development Bank. First of all, you must explain your personal situation and provide relevant information support, such as unemployment certificate, proof of termination of labor contract, etc. It means that you didn't pay back on purpose, but you really didn't have the ability to repay. It depends on the bank's audit.

The technical term of agreed repayment is "stop payment", also known as personalized installment, which is mainly aimed at the second installment after the credit card is overdue, and part or all of the interest and liquidated damages can be reduced or exempted. The financial products mainly aimed at repayment by agreement are credit cards, loans behind credit cards and credit loans of various financial institutions.

In today's society, some friends are under great repayment pressure or even unable to repay because of excessive consumption, business failure, major family changes and other reasons, and eventually they are overdue, so that the interest is getting higher and higher. In a situation like this, most people don't know how to deal with it, which leads to the fact that they are now afraid to answer the bank phone and have been overdue. As long as it is overdue, bank collection, including the third-party collection platform cooperated by banks, will call you. If you don't answer the phone all the time, the third-party platform of bank cooperation will collect you in three ways.

In the case of successful repayment through negotiation, you can also directly reduce some or even all of the interest and liquidated damages, and you can also repay by installments, up to 60 installments, which greatly reduces your debt and repayment pressure. After the repayment is settled, the bank will not sue you, and you can live a normal life without facing the court and prison.

It is precisely because a large number of people in contemporary society can't repay their debts within the time limit, so negotiating repayment is the immediate need and a way to actively deal with overdue debts. Starting from the attitude of helping banks and consumers, Walker Culture decided to share with you how to negotiate repayment with banks to save itself and its credit problems. The purpose of this series of courses is to help creditors reduce the risk of capital loss, recover accounts receivable on time, help debtors avoid legal risks, reduce repayment pressure, avoid the impact of collection on normal life, advocate fair and open negotiations, safeguard the spirit of credit and contract, and achieve a win-win situation for both parties.