Many people want to apply for the personalized installment policy of the bank. In the case of being unable to repay the arrears, for the longest 6 installments, it can be said that they are indifferent and communicate repeatedly. However, the audit threshold of banks is too high, and many people can't find a way. Instead, they heard that the banking regulatory bureau can intervene in the negotiation. Is this true?

This article will answer three overdue credit card questions for you in detail:

1. Can calling 12378 to complain about overdue credit cards solve the installment repayment?

2. What materials should I prepare to make a complaint about calling 12378 when the credit card is overdue?

3. What are the precautions for calling 12378 when the credit card is overdue?

if you negotiate repayment with the bank, and the bank is adamant and refuses to negotiate, or you still refuse to negotiate when you clearly provide the required proof, then you can call 12378 to solve the problem through the banking regulatory bureau. But you can't succeed by fighting. It depends on your situation.

1. It's no use calling if you are not qualified. Banks have the right to interpret the cessation installment, and also have the corresponding negotiation threshold. If you live in a mansion, it is not because of financial difficulties, or because you can't get a credit card for playing cards and gambling, no one can negotiate.

the installment plan of stopping interest and paying bills must be for users with special difficulties. If you submit a certificate of unemployment, hospitalization or natural or man-made disasters and confirm that you are unable to repay, the bank still refuses to negotiate. It is very effective to call the banking regulatory bureau.

2. If the bank collects your liquidated damages, but it doesn't remind you at all, and you don't know the pros and cons, you can also call 12378 to intervene in the negotiation.

3. If the bank commits illegal and violent collection in the process of collection, you can keep the evidence and turn the bank against the army. After the relevant evidence is fed back to the banking regulatory bureau, it is conducive to consultation.

if you meet the relevant requirements and are sure to complain to the banking regulatory bureau, you can prepare the materials. In addition to the complaint evidence that the bank does not agree to negotiate, you should also prepare your own materials.

1. Proof of difficulty. Why can't you repay the loan? Are you unemployed or seriously ill? Is it a family change or bankruptcy due to the epidemic? Prepare to submit it with the corresponding proof of materials and proof of difficulties in the local community.

2. proof of income. It's not just your salary slip here. In order to confirm with the banking regulatory bureau that you are really in trouble, you'd better attach your monthly income, annual income and bank expenses.

3. proof of repayment. In order to show that you are not maliciously overdue, have the initiative to pay back the money, and show your willingness to pay back the money, you should prepare the proof of your initiative to pay back the money and attach it.

since the preconditions are in place and the materials need to be prepared, there are still some things to keep in mind when making a complaint to 12378.

Actually, when you call 12378, people won't ask you anything more. As the telephone of the banking regulatory bureau, it is to supervise the unreasonable and illegal behavior of banks. After you get through, go directly to the manual service and tell the customer service what problems you have encountered.

What you should pay attention to is to clarify this issue, such as the object of your complaint, which bank and what unreasonable behavior you have. And you have to negotiate repayment, which has obviously reached the requirements of negotiation, but it has been ignored by the bank.

explain your purpose and your actual situation to the customer service, and you will register there. After the customer service record is reported, you will receive feedback within 3-7 working days, and the bank may take the initiative to contact you and negotiate with you about the installment. However, when it comes to busy business, the processing will be slower.

In short, when you are treated unfairly by the bank, you can call 12378 to complain. As long as the facts are established and the evidence is in place, it is not a dream for a third party to help you negotiate. In addition, if you have any questions about overdue credit cards, you can leave me a message for consultation.