By grasping these three points in stages, the negotiations can basically succeed. However, the intensity of relief and the number of installments depend on the policies of Guangfa Bank.
First, express the willingness to repay and the reasons for overdue repayment.
Be sure to emphasize many times that you are willing to repay the loan and not evade the debt. In addition, you have a monthly repayment record, but interest will be deducted from the money saved. Moreover, I also actively cooperate with your collection work. As long as I am not busy, I will answer your phone, and I have been actively trying to deal with this debt.
Overdue is not my will, mainly because of the impact of this year's epidemic, which has led to my income instability. Moreover, there are still old people and children to raise at home, and there is really no way to overdue.
Note: After the credit card is overdue, you should keep the monthly repayment record. The amount is 100-200 yuan doesn't matter. Don't pay too much, or interest will be deducted. Especially in the first three months, all repayments will give priority to deducting interest. Three months later, some banks stipulated that the principal should be deducted before repayment. Therefore, the first three months are overdue for small repayment, and after three months, large repayment can be made according to the bank's statement.
When you talk about the reasons for overdue, remember not to talk about investment or business failure, because banks stipulate that credit card funds cannot be used for investment. We can talk about being affected by the epidemic, unstable income, unemployment and so on.
Second: express the influence of overdue collection on your life and work.
Note: when talking about the influence of collections, you can use exaggerated rhetoric, but it should be moderate.
Third, put forward their own demands and negotiate the requirements of staging.
Although I can't pay off all the debts at once, I still hope that this debt can be settled by stages, so that I can avoid the pain of collection and your bank can recover this debt. However, with my current ability, too much at a time is unrealistic. Moreover, the interest rate of your bank has risen too fast, and the liquidated damages and interest are too high. This way of collecting interest is also unreasonable. I want to reduce the liquidated damages and part of the interest. If not, I will go to the CBRC to complain about your bank. After the reduction and exemption, I hope I can repay the loan in about 24 installments. If you can't meet my requirements, I will also complain to the CBRC, because according to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, when my debt exceeds my repayment ability, your bank should give me a fair and just plan and negotiate repayment by installments.
Note: The highest success rate of phased negotiation is 24. If you want to get a higher number of issues, you need to provide some certificates to the bank, such as proof of difficulty, serious illness cases and so on. If you don't have these certificates, then you can only continue to complain to the CBRC and ask the other party to help you get the highest number of installments. If it fails in the end, I suggest making an appointment first. If you don't move in the future, you can negotiate before the court session after being sued by the bank.
Finally, to sum up, the negotiation staging skills of Guangfa Credit Card after overdue mainly focus on three points: expressing one's willingness to repay, emphasizing the influence of collection on one's life and work, and one's demand for negotiation staging.
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