1. After the credit card is overdue, it is actually more difficult for customers to negotiate to repay only the principal. After all, the overdue penalty interest on credit cards is calculated and charged at a daily interest rate of 0.5% per day, and the interest rate is within a reasonable range. , and there is no violation. Of course, although it is difficult to negotiate only the principal repayment, customers can try to apply for an interest suspension. If the application is successful, then the debt will no longer accrue new interest. The customer only needs to pay the previously accrued interest and the principal of the debt. Just pay it off. Of course, customers can also try to apply for an extension of the repayment period and repay the debt in installments. During the negotiation, pay attention to clearly explain the situation that you do not have sufficient repayment ability for the time being, provide corresponding information to support it, show that you did not intentionally fail to pay the debt overdue, and express your willingness to actively repay the loan. The bank will generally consider it as appropriate. of.
2. If the amount owed to your credit card is too large, has been for a long time and you are unable to repay it, you can go to the bank to negotiate with the bank to see if you can only repay the principal. After indicating your own difficulties, After the situation, if the bank agrees, you can only repay the principal. At the same time, the debtor also needs to have a positive willingness and action to repay, otherwise the bank will not agree if the overdue situation is serious.
3. Although you can negotiate with the bank to repay only the principal, you need to be prepared for two things, and don’t have too much hope. After all, the regulations of each bank are different, but you can Try it according to the points introduced by Xicaijun:
1. If the amount owed is not large and the interest generated is not much, there is no need to negotiate, and the bank will not agree if you negotiate. Yes, so it’s better not to do this useless work;
2. If the amount of debt is not large, but the overdue time is long and a lot of interest is generated, this situation must be negotiated, and you must always resolve the debt. A bad credit record can only be eliminated by paying off the loan. For example, if your debt amount is only about 2,000, but it is overdue for 2 years, you have to pay back more than 10,000 yuan with interest. This is not a small amount.
3. During the negotiation, you should take the initiative to call the bank and talk to the bank in an emotional and rational manner. Of course, don’t forget to record the money. Tell the bank on the phone that you want to repay the loan, and then transfer the amount you owe to the bank. Clearly state the principal and interest accrued, and at the same time indicate your difficult situation. You only have money to repay the principal and no money to repay the interest.