1. How to write a credit card negotiation repayment application template
Generally banks will provide a template, and users only need to fill it out truthfully according to the template.
After preparing to negotiate repayment with the bank, the user needs to submit a negotiated repayment application, and then the bank credit institution will review the negotiated repayment application submitted by the user. If the review is successful, they will notify the user via text message to sign an installment agreement. If they decline, they need to apply again.
To successfully negotiate repayment in a credit card negotiated repayment application, the more detailed the content, the better. The content includes: user’s basic personal information, credit card overdue time, amount, and reasons for overdue. The reason for overdue is best due to special circumstances, such as unemployment, serious illness, bankruptcy, etc. , so that the probability of application approval is relatively high, fill it out and then submit it.
2. How to negotiate repayment for an overdue credit card
1. Prepare information in advance: The prerequisite for negotiating repayment is that the debt must be greater than the income, and the cardholder is willing to negotiate repayment, so It is best to prepare the amount of debt you owe, how much you need to repay every month, income statements, etc.
2. Actively negotiate and communicate with the bank: It is best for cardholders to negotiate repayment with bank staff instead of negotiating with the payee. This will waste energy and make no progress.
3. Sincere attitude and willingness to repay: After the cardholder's credit card is overdue, he must be sincere during the negotiation process, have a strong willingness to repay, and then put forward the hope of interest reduction and installment repayment
4. Always retain relevant evidence: Cardholders must retain evidence during the collection or negotiation process to avoid some subsequent breach of contract.
5. The bank informs the negotiation results: Regardless of whether the negotiation is successful or not, the bank will inform the results. Once the negotiation is successful, the repayment period will be determined again, and then you will check whether the monthly repayment is within your repayment ability to avoid being overdue again.
3. Four elements for negotiating overdue credit card repayment
1. Sufficient overdue time: Cardholders can negotiate with the bank for installment repayment only if the cardholder is overdue for a long time. They cannot negotiate with the bank from the beginning. It would be a burden for the bank to negotiate as soon as the payment is overdue.
2. Have a sincere willingness to repay: Banks pay more attention to the cardholder’s willingness and strong willingness to repay, and the probability of successful negotiation is still very high. Never refuse to answer the bank's phone calls. If you don't answer the bank's phone calls for a long time, it is basically impossible for subsequent negotiations to succeed.
3. The reason for the overdue payment is real: the cardholder is indeed in financial difficulty and cannot repay all the outstanding balances. This situation is extenuating and the bank will consider it appropriately and do not lie about overdue information.
4. Repayment ability: The cardholder’s repayment ability is also important to banks. If there is no repayment ability, the bank is unlikely to agree to the negotiation, so the negotiation will have no effect.
If there are any unclear or new situations, we recommend that you call us directly for free consultation so that you can understand the communication case situation and provide you with detailed and targeted answers to avoid problems due to incomplete information and poor communication. , the answer is wrong. I wish you success in safeguarding your rights.