1. What are the ways to help yourself if you owe 5, yuan by credit card

1. Repayment by installments: For people with low income and no deposits, it is absolutely an illusion to pay 5, yuan in one lump sum. However, 5, yuan can be divided into 2-3 years repayment and monthly repayment to 1 yuan. For people who have jobs, there should be no big problem.

2. You can seek foreign aid, and you can borrow money from relatives and friends to repay the loan. Remember to understand the purpose, don't give people careless eyes, and don't kidnap morally. It is their freedom to borrow money or not. If you agree to borrow money, you must write down what you owe, and you'd better promise to bring you interest.

3. Only by consulting the repayment situation of the bank can we show our willingness to repay and inform the bank of the difficulties in repayment. If we can get the approval of the bank, we can sign a personalized installment repayment agreement with the bank, and repay 5, yuan within three to five years. According to the agreement, we must repay it every month.

2. What are the negotiation skills of credit card suspension

1. Call the customer service hotline of China Merchants Bank and explain the reasons why it cannot be repaid in time according to the actual situation.

2. Choose an appropriate repayment plan, how to repay the remaining debts, how long it will take, five years at most, and how much to repay in each period.

3. If the cardholder has a good attitude, the overdue situation is indeed due to a reason, and the cardholder is currently unable to repay, then the bank may allow it. However, if the cardholder clearly has the ability to repay, the bank will generally not agree to stop paying; There are also those who are only overdue for a few days and the overdue amount is not large, and banks usually will not agree to stop paying.

3. What are the consequences of overdue credit card

1. After the credit card is overdue, the cardholder will not only face collection, but also pay the corresponding penalty interest and liquidated damages. Generally, if it is overdue for about one month, the bank will upload your overdue information to the central bank's credit information system, which will also affect the subsequent credit business.

2. If the credit card is overdue, it may be investigated for criminal responsibility, especially if it is maliciously overdrawn and constitutes credit card fraud, then it will be arrested and imprisoned. However, the new regulations on expired credit cards have raised the sentencing standard from the previous 1, yuan to 5, yuan.

3. In the past, credit card withdrawals did not require one-time repayment, but the new regulations stipulate that the withdrawal amount of the current month will enter the minimum repayment amount of this month's bill and must be paid in one lump sum, otherwise it will be overdue. This increases the repayment pressure of cardholders, so don't withdraw money easily.

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication case and give you detailed and targeted answers, so as to avoid incorrect answers due to incomplete information and poor communication. I wish the rights protection success.