When a lawyer handles suspension of interest payments for cardholders, they can charge a fee of 5 to 10% of the amount owed. To apply for a credit card, you need to submit the applicant's identity documents, fill out an application form, and pass the bank's review. Individuals can apply for a credit card, and organizations can also apply for a credit card.

1. What is the charging standard for lawyers to handle suspension of accounts? Lawyers’ fees generally consist of consulting fees and handling fees. Consulting fees are generally calculated on an hourly basis and range from tens to hundreds of yuan. The handling fee is calculated based on the overdue amount of the borrower, which is generally around 5-10% of the amount involved. For lawyers, whether it is negotiating repayment or suspending debt, it is basically a civil dispute. Suspension of interest 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 processing of periodic interest calculation and transfers the owed amount to The balance and interest are pending and will be processed 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. Can I apply for a suspension of interest rates and pending accounts if my credit card is overdue? Yes, if the credit card is not overdue, the customer will naturally not be able to apply for a suspension of interest rates and pending accounts. This is because generally only when the customer fails to pay the loan overdue can he contact the bank to negotiate a suspension of interest payments, so that interest will no longer be charged on the debt, and the interest previously incurred will still be recorded together with the principal, and the customer will still need to repay it. And since the credit card is not overdue, if the customer finds that he cannot pay off the bill in full, he can apply for bill installment in advance before the repayment date, or pay the minimum repayment amount of the bill first, which can alleviate the repayment pressure and also Can avoid overdue. You also need to note that credit cards generally provide a repayment grace period. Customers who cannot repay before the repayment date (inclusive) can repay in time within the subsequent grace period (the repayment cannot be less than the minimum repayment amount on the bill). ), will also be regarded as normal repayment and will not be counted as overdue. If the credit card is not overdue, your credit will not be damaged, and there will be no overdue penalty interest. Of course, after the credit card installment or minimum repayment, there will be recurring interest and installment fees. It will cost several hundred to several thousand yuan to entrust a lawyer to handle the suspension of interest and debt. After the credit card is overdue, you can apply for suspension of interest and debt, which can alleviate the financial pressure of the cardholder. When applying for a credit card, the bank will examine the cardholder's personal credit and repayment ability. After applying for a credit card, you can consume first and then repay, but it cannot be overdue, otherwise the cardholder will be held legally responsible.