1. How do individuals apply for credit card interest suspension?

1. Go directly to the bank where the card is issued and apply to the relevant staff. After the credit card expires, the user can go directly to The card-issuing bank negotiated with relevant personnel and stated that interest installments were required. During the negotiation process, pay attention to methods and methods to show your personal willingness to take the initiative to repay the loan.

2. Negotiate online through the customer service phone number on your credit card, and just put forward your personal need for suspension of installments.

Suspension of interest on account means that after the borrower obtains the loan, he fails to repay the principal and interest of the loan on time due to personal reasons on the subsequent repayment date. For management needs, the bank suspends the accounting of periodic interest. Process, put the balance of the amount owed and interest on the account, and wait for processing later. Under normal circumstances, the suspension of interest payment means that the payment has been called for. However, if the payment is still not made after the reminder, the bank will suspend the payment. If there is a suspension of interest payment, it means that the personal credit report has actually been suspended. If it is affected, the borrower's subsequent loans, purchases of cars and houses, etc. may be affected.

2. What to do if you can’t pay off your credit card due to the epidemic

1. Submit an application for delayed repayment in advance

If you really can’t repay your mortgage on time, credit card , you can apply for delayed repayment in advance. There are many ways to apply. You can call customer service or apply on your mobile phone.

2. Wait for registration and review by the bank and others

As long as you apply for deferment of repayment, the customer service department such as the bank will naturally report it to you, conduct registration statistics, review, and approve it, and then you can defer it. Repaid.

3. Keep relevant certificates of isolation

If you are a quarantined person, whether in hospital or at home, you must keep relevant materials so that you can report to the hospital after the epidemic. If you apply with the bank, your repayment will not be affected.

4. If you have no income and cannot repay the loan

Due to the epidemic, the company has not resumed work, and you have no financial income and are unable to change your mortgage or credit card. You can also apply to the bank in advance When applying, you can choose installment repayment, minimum repayment, etc. It is best not to overdue the payment.

5. Will not be included in the list of credit defaulters

People whose reasons for doing nothing more than repaying their mortgages and credit cards on time due to the epidemic will not be included as long as they have sufficient reasons and sufficient evidence and procedures. The list of dishonest persons and records of dishonesty will also be eliminated.

6. Unable to repay due to special reasons

Due to the epidemic, special circumstances are nothing more than repayment. You can also apply for processing after the epidemic is over. Submit relevant supporting materials and the bank will also adjust the overdue records.

There are two ways for individuals to apply for credit card interest suspension and debit suspension. The most convenient is to apply directly online. If you are unable to repay your credit card debt on time due to the epidemic, you can apply to the bank for a deferral of repayment. You must provide evidence of your quarantine, submit an extension application to the bank, and after passing the bank's review, you can apply for a deferral of repayment.