Take CITIC Bank as an example. If a cardholder wants to apply for payment suspension, he/she needs to pay a down payment of 5%- 10%, but in some cases it is not necessary. Bank of Communications now supports small installment payment, which costs only a few hundred yuan per month. Agricultural Bank of China stipulates that cardholders can only apply for suspension of interest payment if their credit card is overdue for more than 4 months.
2. Preparation before staging According to the new regulations, the bank has the right to directly refuse if the cardholder has language barriers, lies, disappears, etc. Period of application for suspension of interest payment. In addition, the cardholder needs to contact the bank to explain his current economic situation to the bank, and it is best to hold legal and effective proof of financial difficulties.
Of course, cardholders must ensure that they have sufficient repayment ability in the future repayment date. The bank agreed to negotiate, provided that the arrears could be recovered in this way. It is best for cardholders to provide corresponding work certificates or salary certificates to prove that they have a stable job and income source.
Application method for credit card deduction: 202 1 1. Take the initiative to call the bank and explain why the contract can't be fulfilled on time. The bank will not negotiate with you at this time. Because the bank has regulations, first, the customer service calls for repayment, but the customer service has no right to reduce it and does not listen to your reasons for breach of contract.
You can't lose touch. Even if you change your mobile phone, you should inform the credit card customer service.
3. Credit card requirements, generally requiring humanized repayment will not exceed 5 years. Either the principal is repaid in one lump sum or in three months, but it is generally more than 90 days overdue. Since you have the idea of suspending your account, you are probably ready for the credit to be affected. In other cases, suspension of payment is not allowed. If you can't repay the principal, pay it back every month first. Even if you go to court, you will have a strong willingness to repay, and there will be no criminal responsibility. In the meantime, credit card issuers will continue to urge loans. If you have almost prepared the principal, tell them that you haven't paid the interest and ask for interest-free principal repayment. In this case, the negotiation may be successful, because banks will generally agree to reduce non-performing loans.
How to negotiate with the bank to stop the interest payment of 1 and provide some proof? If it is proved that the monthly income is not enough to repay, such as 1000 income, it is really impossible to repay 500,000 now. You should make an agreement with the bank in advance, and don't contact the bank after the deadline. The bank will deal with it accordingly, because the bank will end up suing and wasting money.
2. Delay means that the bank will sign an agreement with you, allowing you to repay the loan in a few months or a year. You can negotiate with the bank at this time, but the interest will be a bit high. You have to pay back the money in the end.
Installment payment is to pay part of each month. Just like mortgage repayment, monthly repayment, how many installments and how to collect interest can be negotiated with the bank, and interest is indispensable.