When it is discovered that the card is overdue, the card user should take the initiative to contact the postal bank's manual customer service as soon as possible and ask him about the total amount of his debt, as well as the penalty interest and late payment fees incurred during the overdue period. After knowing the total amount, designate a repayment plan based on your actual financial situation, and then make an appointment with customer service on the phone at the branch bank address and time for meeting and discussion.

During the interview and negotiation, the cardholder should take the initiative to request repayment negotiation, and then draw up a rough repayment agreement with the bank, which should include the estimated loan repayment time and monthly repayments. amount. It is best to be able to show proof of your employment or salary slips, so that the bank can trust the feasibility of the repayment agreement. In addition, cardholders need to be careful when negotiating and cannot say interest-free with the bank at the beginning. As long as the negotiation conditions state that the bank will waive interest, most negotiations will fail.

Only when the payment is overdue will you negotiate with the bank for repayment. Failure is normal. Don’t be discouraged even if you are rejected by the bank. You can first understand the reasons why the bank rejected you. If the bank gives a very clear reason, such as the materials do not meet the requirements, the materials are incomplete, the application conditions do not meet the regulations, etc., these can be easily solved, as long as the cardholder continues to modify the materials. However, if the bank does not provide a clear reason for rejection and simply disagrees, then the cardholder can submit the application materials to the banking regulatory bureau of the land and apply for third-party intervention after confirming that their application materials meet the standards. Negotiate. With the involvement of a third party, the bank will be much faster in terms of review speed or the rigor of the review materials, and the chances of the cardholder's application being successful will be much greater.