If your bank credit card is overdue, you can negotiate with the bank for repayment, but you need to have partial repayment ability. Only after negotiating with the bank for repayment can the bank agree to postpone your repayment.

Negotiate repayment.

Most friends do not want to give up on themselves after their loans are overdue, and usually choose to negotiate installments to solve the problem, thereby avoiding collections and lawsuits.

The role of negotiated repayment has a certain scope of application. These people want to repay the money, but are unable to repay it in full! If the purpose is simply to avoid prosecution and collection, then even if you negotiate with the bank, you will still be unable to fulfill the repayment in the end, and all your efforts will be in vain, and you will still return to the issue of collection and litigation.

Have we ever thought about the ultimate goal of negotiation under the premise that we have completely lost the ability to repay? Why negotiate? The purpose of negotiation is just to avoid litigation? Or will it not be collected? After the negotiation is successful, how should you fulfill your debt repayment obligations? If the repayment obligations cannot be fulfilled, how will the lawsuit be handled?

These three questions may seem contradictory, but they are what most borrowers should think about, because this is the real meaning that negotiation can bring to you. If you really have no ability to repay the loan, negotiation is not the most important thing in the road ahead. As a result, many people have lost their jobs or have been without income for a long time. The most important thing right now is to focus on work. and increase income, or enhance one's own value.

So, if you really don’t have any money, then the focus should be on submitting a few resumes and interviewing several companies, because the borrower must know that if he has no money, what will he do with it? Talk about it? Where is your sincerity? The purpose of the bank is also to require you to repay the loan. Don't think of the bank as a charity. Repeatedly breaking trust with the bank will only bring greater impact to yourself.

At times like this, you should focus more on your work and how to improve your personal earning power, instead of thinking about how long it will take for you to be sued and collected by the bank every day. When will you come to your door? This will not solve your immediate dilemma, but will only add to your troubles.

You should focus all your attention on work and improving your own abilities, instead of counting your fingers every day and thinking about how long it will be before you are sued - this does not solve the dilemma, but It will only increase worries. Remember that banks are not charities. What they need is money, not your own feeble explanations. Work hard and make money. This is the best way to solve the debt!