1. How to apply for suspension of interest on credit cards

Cardholders can call the service hotline of the card-issuing bank, or go to any business outlet of the card-issuing bank to work with the bank Personnel negotiates and explains situations. Make it clear that you are currently unable to repay the overdue amount, and ask the card-issuing bank if they can reduce interest, defer the payment, or repay it in installments.

After application, provide the bank with ID card, bank card, application for deferred repayment, proof of inability to repay and other materials for review. If the review is passed, you can negotiate with the bank. When negotiating installment payments, it's a good idea to make sure the cardholder knows the exact amount they can repay each month and the exact time they have to pay off their balance. Don't blindly give in and meet the bank's requirements, otherwise a second overdue situation may occur after negotiation.

2. What is the process of credit card suspension and suspension of accounts?

1. Take the initiative to negotiate with the card-issuing bank and apply for agreed repayment. We need to know the total amount owed and the total amount of interest and penalties. After recording all the numbers, calculate the number of installments the cardholder wants, then ask the bank customer service to register and wait for a call back from the bank.

2. After receiving the call from the bank, submit the certification information as required by the bank. Most banks will require cardholders to provide corresponding certification information, so we must seize this time and submit it according to the bank's requirements. Wait for a phone call from the bank. After the cardholder submits the information, the bank will review it and call back after review. At this point, the negotiation is basically considered successful.

3. What are the key points of suspension of credit card payment?

1. You can call the customer service number on the credit card to communicate, but the customer service staff has low authority and does not have the right to personalized installment payments. Therefore, with The probability of their successful communication is slim. Negotiation channels are very important, and cardholders need to find the right person to negotiate repayment.

2. Each bank has different policies, and not all banks are interest-free. Some banks calculate interest in the form of handling fees, such as Minsheng Bank. The 3% to 4.5% handling fee can avoid affecting personal credit, so there is no need to waive interest, and principal repayment can be agreed upon according to the situation.

3. Personalized installment payment policies are not formulated by banks, but by the state. Cardholders will apply based on their own circumstances.

Having said all that, everyone now has a clearer idea of ??how to apply for an interest suspension or suspension of debt on a credit card. Although you can apply for an interest suspension or suspension of debt after your credit card expires, only cardholders who are unable to repay can apply. If you are able to repay, , then the bank will not agree.

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