There are many debtors who have no money to pay back their credit cards after they are overdue. Some people have this mentality. They can sue whenever they like. Anyway, I have no money to pay back, so I can drop whatever I like, holding this self-destructive mentality. However, when there is no money to pay back after being sued, the court will freeze your bank card, Alipay and WeChat at the request of the creditor, the second point will limit high consumption, and the third point may require you to report your property and income. Therefore, when we have a debt crisis, we should first adjust our own mentality, don't give up on ourselves, avoid the problem, and face the problem correctly. After all, there are always more ways than difficulties!

However, there is another kind of person who thinks about how to commit suicide because he can't bear the debt. This is the most undesirable solution. We are all adults, not to mention the old and the young, but our parents must have some. Have you considered how much pain you will bring to your family by your own extreme behavior? If you have no money, you can earn it, but you only have one life; Don't give up so easily When there is no way to repay the debt at one time, you can also negotiate with the bank to repay it by installments. The purpose of the bank is to let you pay back the money. Only by mastering the communication skills and methods, all can be negotiated successfully. Therefore, if you are in debt, don't lose heart. If you handle the debt problem correctly, you can work with peace of mind to make money and pay off debts. Debt overdue, it is impossible to do a one-time liquidation, from the moment of debt, you must be mentally prepared, which must be a long-term consumption process, so there must be planning, how to pay it back, in several installments, come on, people who are trying to get ashore!

If you can't repay it in one lump sum, I'll teach you a set of 1% effective negotiation repayment methods:

First, just after the overdue period, you took the initiative to call the bank and say, "Hello, so-and-so bank, who am I?".

So I want to talk to your bank about whether you can negotiate a personalized repayment method for me. I am really a special case, and I know that overdue will have a great impact on credit investigation. You should sincerely explain the reasons for the debt and the relevant supporting materials. I can give it to your bank by email, and I will give my debt information.

the income situation and the debt situation of other platforms of credit reporting can be given to your bank to prove that what I said is true. My request now is to divide as many installments as I want and ensure that I can repay as much as I can before the 3th of each month. Will you communicate with the bank in this way greatly improve the success rate of negotiation? This staging must be reasonable, not too much. A plan that you can accept and the bank can accept.

If the bank still refuses you euphemistically or outright, you can tell them the provisions of Article 7 of the Measures for the Supervision and Administration of Credit Cards of Commercial Banks and see what the bank told you. For details, you can check these 7 provisions online. If you still don't know how to negotiate repayment, then pay attention to me and make a deeper answer for you.

There are conditions to be met in handling the account suspension:

First, you need to have a stable repayment ability, and you need to repay it every month in installments.

Second, you need to have a willingness to repay, and it is impossible to negotiate. If you pay it back this month, you will not pay it back next month.

third, basically, most banks need to be overdue for one month before they can handle the account suspension.

Benefits after applying for suspension of payment:

Benefit 1: Stop collection, no longer face telephone collection, SMS collection and door-to-door collection;

Benefit 2: Relieve the pressure of monthly repayment, slowly pay off the arrears and go ashore as soon as possible.

Benefit 3: The monthly overdue interest and liquidated damages will not increase, and the debt will not get bigger and bigger.

the fourth advantage is that you don't have to worry about being sued and bear relevant criminal responsibilities.

the fifth advantage is that you can go to work with peace of mind, live with peace of mind, and set life goals to achieve them one by one.

sort out debts, plan repayment reasonably and avoid prosecution. I have solved the debt problem for thousands of card friends. You are warm in three winters, may you be cold in spring, and may you not be bothered by debt.

Wei surname: Xiecheng debt is cleared, focusing on the actual cases of overdue credit cards, stopping and staging, and personalized staging.

Finally, within the scope permitted by law, you must try your best to make money. Being rich is the prerequisite for all repayment, otherwise it will be useless to negotiate. In short, it doesn't matter if young people are in debt, and they don't need to be afraid. Just think of it as their own youth and ignorance. Who hasn't been young? Everyone's life is smooth sailing, don't give up, people have unlimited possibilities as long as they are alive!