1. What are the skills for negotiating overdue repayment of credit cards?

1. negotiate repayment with the bank actively

If you don't repay the credit card debt, the bank will not negotiate with you actively, but will only urge you to repay it. Therefore, if you want to negotiate repayment, you must take the initiative to contact the bank and negotiate before the deadline to see if the bank can extend the repayment period and give a certain interest discount. If the bank doesn't agree, you can play a few more times.

Credit card overdue repayment negotiation

2. Sincere attitude and willingness to repay

When negotiating repayment, you must tell the bank that it is not malicious overdraft, and then state your financial situation. Here, it is best not to blindly emphasize that there is no money to repay. You want to tell your own difficulties, saying that they can't repay temporarily, but they have work income, trying to raise funds to repay, and see if the bank can negotiate a repayment plan acceptable to both parties.

3. Always keep relevant evidence

Whether negotiating repayment or collection, remember to keep relevant evidence, such as talking with the bank, such as door-to-door collection and violent collection. You can record relevant videos and then feed them back to the bank. It is said that the success rate of negotiation is high. Of course, your attitude is civilized and friendly in advance.

second, what are the conditions for overdue negotiation and repayment of credit cards?

according to the measures for the supervision and administration of credit card business of commercial banks, under special circumstances, credit card users are still willing to repay their debts, so they can take the initiative to contact the issuing bank and negotiate with the issuing bank on an equal footing to reach a personalized installment agreement, with the longest installment of 6.

negotiated repayment needs to meet three necessary conditions.

First, the amount owed by the cardholder really exceeds the repayment ability of the cardholder;

second, the cardholder has the willingness to repay the arrears;

Third, the cardholder can issue some certificates to prove that he can't repay his credit card for special reasons. If he can't repay his credit card temporarily due to hospitalization, he needs to issue hospitalization certificates and other information.

3. what is the repayment process of credit card negotiation?

1. Before the agreed repayment date, call the customer service phone of the credit card bank or go directly to the counter of the bank outlet;

2. Provide relevant information, including ID card, proof of personal economic conditions, etc., and indicate that there is no intention to have overdue records, and indicate the willingness to repay actively;

3. Negotiate with the bank the repayment plan for arrears, including the repayment period, monthly repayment amount, repayment fee, etc.

4. after reaching an agreement through negotiation, repay the arrears in full and on time according to the agreed repayment date.

in special circumstances, you can click the consultation button on the right. The website provides professional lawyers to answer questions, help you solve the repayment problem and let you return to your normal life.