Ping An Pratt & Whitney can call customer service, transfer to manual service according to voice prompts, and apply to customer service to stop payment. First, you need to know the details of your repayment, such as the repayment amount, principal, interest and other expenses, and then negotiate. However, it is generally difficult for Ping An Pratt & Whitney to agree, because overdue is a potential risk under any circumstances. After the deadline, users generally don't agree to installment.

First, seize the opportunity of consultation.

Do a good job in psychological construction before preparing for negotiations. Only when you are firm in your heart can you resist endless collection, and a strong willingness to repay during negotiation is very important. It is a long process to negotiate with the bank to stop installment payment. Even if many cardholders are overdue under the influence of the epidemic environment, few people can negotiate successfully at one time, so we can find the best time to stop staging according to the length of overdue time. The bank's risk warning will not be triggered within 30 days after the deadline. It is generally believed that this is an accident and does not mean that the customer has lost the ability to repay. It may be just a temporary forgetfulness or short-term cash flow difficulties. At this stage, the bank will not collect the money, but send a text message to remind you at most.

Two, six months after the deadline for starting negotiations.

After 180 is overdue, it is the best time to negotiate repayment. For cardholders who have not paid back the money after two rounds of collection, but have a strong willingness to repay. Banks will open more relief rights and exempt interest, liquidated damages, penalty interest and so on. Seize this opportunity to strive for the maximum benefit, try to reduce the cost of repayment and make a good repayment plan. Remember to repay the loan on time every month after the negotiation is successful. If it is overdue again, it may be required to repay all the principal in one lump sum or be sued, and all previous efforts will be in vain.

It takes patience and skill to handle the installment, but the premise must be that the cardholder has the willingness to repay. If you sign a personalized repayment agreement with the bank, remember to make regular monthly repayment according to the repayment promise, otherwise the personalized repayment agreement will be invalid. The longest installment period is five years. In the bank's view, the cardholder is an untrustworthy customer regardless of whether he can apply to stop payment after the expiration, so it is best to use this method when it is absolutely necessary, because it will have a great impact on his credit investigation.