2. Provide valid personal identification documents and personal financial conditions, indicating that you don't want to have overdue records;
3. Negotiate with China Construction Bank the repayment plan for arrears, including the repayment period, repayment fee, etc.
4. After reaching an agreement with China Construction Bank, repay the arrears in full and on time according to the agreed repayment date.
1. If a user's credit card of China Construction Bank is overdue and wants to negotiate with China Construction Bank, he can negotiate according to the following methods. First of all, in order to reduce the repayment pressure of users, users had better take the initiative to contact the bank to negotiate and stop payment, and put forward a plan to pay it back slowly by stages. Secondly, users should always be sincere and express their willingness to repay, as well as the reality is not allowed. Then no matter what happens, don't refuse to answer the bank's collection call. Once you refuse to answer it, it will easily become evidence of the bank's appeal. Finally, we must always keep relevant evidence and give feedback to the bank.
2. Negotiation repayment process for overdue credit card of CCB
A. First, I told CCB that I really shouldn't be overdue, but I did have difficulties, so I applied to negotiate repayment by installments, and by the way, I asked how much I owed, interest, liquidated damages, etc., and how many installments I wanted to get.
b, secondly, after the bank agrees to negotiate, it will provide relevant assistance certificates in time, that is, materials that prove that it is temporarily unable to repay, such as unemployment, bankruptcy, serious illness, etc.
c, third, the bank will sign a new repayment agreement after the audit, mostly by telephone recording, electronic or written form, and then start repayment by installments.
d, it is worth noting that after negotiation and signing a new repayment contract, there will be no overdue, because this is the bottom line of the bank. When discussing, have a good attitude. After all, the debt is yours and the bank is the dominant one.
3. For example, if your overdue time is more than one month, you will be charged by various phone messages in the first half of the month. At this time, there will be overdue records, but you will not report to the credit bureau. If you continue to be overdue for three months or more, you will report to the credit bureau at this time, or even be prosecuted by the court. It is necessary for everyone not to go to this last step.
4. You can also explain to the bank that the overdue period is not caused by your own subjective reasons. You can apply to India for cancellation of the credit investigation, and provide proof directly to the bank. You can take these materials to the credit investigation center to cancel the credit investigation record.