1. How to negotiate a new installment when the credit card overdraft has not been paid?

1. Call the customer service of the bank, explain the situation, and put forward the negotiation appeal.

2. Customer service reply will encounter two situations.

(1) After the customer service agrees to record, wait for the consultant to pay a return visit.

(2) The customer service does not agree (without this business, it does not meet the requirements)

3. When the consultant pays a return visit, he must first confirm that he is a bank employee, and then explain his own situation (seeking truth from facts) and his own requirements. The consultant records and gives the preliminary staging plan, and requests to upload relevant materials (debt certificate, income certificate, poverty certificate, etc.). ).

4. If you are not satisfied with the plan given by the bank, you can continue to communicate with the coordinator until an agreement is reached, but remember not to exceed the bank's bottom line.

5. After reaching an agreement, sign an installment agreement, repay the loan according to the installment agreement, and remember not to breach the contract again.

2. What are the skills for overdue negotiation of credit cards?

1. Cardholders should take the initiative to consult with the bank. Don't wait for the bank to collect the money before negotiating with the bank. This will make the bank think that the cardholder's willingness to repay voluntarily is not strong and may refuse the relevant agreement proposed by the cardholder.

2. Cardholders need to prepare their own income certificates, bank running water and other materials before negotiating with banks. With these materials, cardholders can prove that they have repayment ability in the future, but they are not well off for the time being, thus gaining the trust of banks.

3. Cardholders can issue poverty certificates and other materials to win the sympathy of the bank, and then ask the staff about the principal they owe, the late payment fee and the interest to be paid, and negotiate with the bank whether some fees can be reduced or exempted, or re-establish the installment plan.

3. What are the consequences of overdue credit cards?

(a) bank credit card banking center will charge late fees and interest:

1. The late payment fee is calculated as 5% of the unpaid part of the minimum repayment amount, and the minimum repayment amount is RMB 10 yuan or USD 1 yuan.

2. At the same time, the bank will charge five ten thousandths of daily interest for the whole bill.

(2) Impact on credit:

1. If it is overdue within one month, it will be deemed as overdue once. As long as it is overdue, even once, it is more difficult to increase the quota;

2. If it is overdue for 3 consecutive times or accumulated for 6 times, there will be a bad credit record, and it will be difficult to borrow money and apply for a credit card in the future;

3. After a certain amount and time, the bank will freeze the credit card.

After the credit card is used, the cardholder should repay the loan within a limited time. If the cardholder just forgets to repay, he only needs to repay in time, but it will affect his personal credit record. If the cardholder cannot repay on time due to financial difficulties, he can call the bank customer service to apply for installment repayment, or ask relatives for help to borrow money to repay the arrears.

The consequences of overdue are still very serious. If it is not handled in time, it may face litigation risks. Contact legal counsel to solve your overdue troubles.