After all, banks have bank rules, and negotiated repayment also needs to meet some conditions. Moreover, no interest will be generated except for the withdrawal and the minimum repayment amount before the deadline. Without interest, the bank will never agree to negotiate, and after the deadline, the bank will not know whether it has the ability to repay. Therefore, it is definitely impossible to negotiate repayment with the bank if the credit card is not overdue, and if you negotiate repayment with the bank if it is not overdue, the bank will question your repayment ability and may reduce your quota. If not, you can try to repay by installments, or the minimum repayment amount. If not, it is necessary to negotiate with the bank for repayment after the deadline.
How to negotiate repayment after the deadline?
First, we should actively negotiate repayment.
After the deadline, you must take the initiative to contact the bank or online lending platform to explain your overdue situation, including the current difficulties, rather than maliciously overdue. You must also show that you are willing to pay back. Only in this way can there be an opportunity for negotiation and a follow-up negotiation plan. Of course, the time for different banks to handle personalized installment plans is different. Some of them need new accounting dates, etc. Some of them need to be overdue for a long time, but you told you when you contacted the bank or platform, and you know it.
Second, consultation must be early.
Why negotiate as soon as possible after the deadline? Because once overdue, time is your biggest enemy, because one day overdue, penalty interest will be endless. In order to reduce these expenses, the most effective thing is to sacrifice as soon as possible and reach a repayment plan, so that you will not be overwhelmed by the collection and you can work with peace of mind.
Third, the attitude of consultation must be sincere.
When we negotiate with banks or online lending platforms, we must be sincere. At this time, it is not true that you owe money, because every phone call you communicate is recorded. Once they refuse you because of something about you, you can basically only say GG.
Four, negotiated repayment must have a clear reason for overdue.
During the negotiation, the bank will ask you why it is overdue. You can't talk nonsense about this, you must tell the bank according to the actual situation. For example, if you say that you are overdue because of what illness, it is understandable to the bank. At the same time, the bank will ask you to show relevant certificates. But if you don't, you're talking nonsense. How will you make this up in the future? ! If you explain your situation to the bank realistically, and then tell your demands to the bank, you can't do it once, but you must pay attention to one thing. When the plan given to you by the bank doesn't meet your requirements, don't agree easily, otherwise the bank will only take it as your confirmation and it can't be changed in the future.