First, is it useful to ask a lawyer to help negotiate the credit card arrears?
It is useful to ask a lawyer to help negotiate the credit card arrears.
It is very useful to find a lawyer when the credit card is overdue. Lawyers can provide legal services according to actual legal matters, but they need to pay legal fees.
Credit card overdue solution:
1. As a credit card holder, once the repayment cannot be made on time due to unemployment, illness or other unexpected circumstances, before the deadline for repayment comes, the cardholder had better take the initiative to call the bank credit card center to state his financial situation, declare that he is not maliciously in arrears, and apply for deferred repayment and interest concessions.
2. In view of the cardholder's positive performance and previous good credit record, banks often agree to postpone repayment, and negotiate with the cardholder the repayment plan, extension period, interest discount, monthly repayment amount, etc. acceptable to both parties. In this way, if you take the initiative to contact the bank and the bank agrees to postpone the repayment, you will not be recorded in the bad record, but it should be noted that you will be guaranteed to repay the loan as agreed in the future.
3. If you are usually negligent in repayment, you must repay as soon as possible, preferably in full, after you find that it is overdue. Then call the bank's credit card center to declare that there is no malice. If the past record is good and the overdue time is short, if the repayment is found to be good after the overdue, it may not be recorded in the bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notice and collection information to avoid overdue.
4. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If you terminate with a card, the corresponding record will not scroll, but will be saved for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years, during which time, to maintain a good credit, so that the bad records can be cleared from the credit information system through rolling records.
2. What if the credit card is overdue for half a year?
1, when the credit card is overdue, it must not be ignored. First of all, you should get in touch with the bank to show your current economic situation and express your willingness to repay. I hope that the bank will coordinate and customize a reasonable repayment plan, and then work hard to make money and pay off the arrears slowly.
Bank staff will continue to contact you after the deadline, but don't deliberately avoid these calls. After connecting the phone, you should make clear your willingness to repay and the current economic pressure in time and beg for a period of time.
3. If the cardholder really can't repay the amount required by the bank, he can apply to the bank for an extension or sign a personalized installment agreement. Generally speaking, the impact of overdue credit cards is still relatively large. I suggest that you must pay back on time.
If your credit card is about to expire or has expired, it is suggested that you call the customer service phone of the bank in time, take the initiative to explain the situation and find out whether you can apply for repayment or reduce the penalty interest to repay as soon as possible.
If the credit card is overdue, it will affect personal credit record and daily life. If it is a malicious overdraft, it may also be suspected of a criminal offence. So when the credit card is overdue, you can communicate with the bank in time. Of course, you can hire a lawyer when necessary, which is very helpful to your own interests. For the specific solution, please click the consultation button below to communicate with lawyers one-on-one and get the "solution".