If customers want to negotiate with CCB, they must explain clearly why they are overdue for two years, indicating that they are not intentionally overdue, but they really have no repayment ability. It is best to provide CCB with certain supporting information, such as unemployment certificate. At the same time, customers should also express their sincere repayment ideas, and finally put forward an application to extend the repayment period and repay the arrears in installments; Of course, you can also try to apply for suspension of payment, and CCB will consider it as appropriate.
The repayment of principal by CCB's credit card for several years overdue is as follows:
1. Make sure the total principal and interest you owe first. If your principal and interest are small, the bank will not agree to your application, but if the interest generates a lot, even exceeding the principal, it will be easier for the bank to agree to repay only the principal.
2. During the overdue period, you should pay back some money every month, no matter how much. Although there is no minimum payment, it is always good to pay once a month.
3. Call the bank, show the reason to the bank, and show the willingness to repay. But whether it can succeed in the end depends on the bank.
Negotiated repayment:
1, actively negotiate. If the borrower fails to pay back the money, he needs to take the initiative to call the bank to explain his financial situation, and then apply for installment or deferred repayment;
2. Pay as much as you can. If you can't repay in full, then do your best to repay, which can show your willingness to repay;
3. Good attitude. If it is overdue, the bank must answer the call and have a good attitude, which shows that there is still a willingness to repay.
The most important thing in negotiating with banks is to take the initiative. If the borrower does have special circumstances, the bank will generally agree to postpone the repayment.
The skills of negotiating repayment with the bank are:
1, take the initiative to call the bank's customer service, communicate with the staff, tell them why they didn't repay in time, and explain when they are able to repay.
2. Go to the counter of the bank's business outlets to negotiate and determine the repayment time, and ensure that it will be returned.
3. Record the whole negotiation process.
4. The bank can't promise to repay only the principal, but can only discuss how to repay the principal and interest separately on a regular basis.
Pay back a part first, not too much, so that the bank can feel your sincerity.
The credit card has been overdue for more than two years. How to solve it through negotiation now?
You can call the customer service phone number of the bank, explain the reasons for your overdue after transferring to manual customer service, and actively propose a repayment plan. The staff will record it and transfer it to the corresponding processing department. After that, you will receive a call back from the customer service of the bank or the dunning company cooperated by the bank to negotiate the repayment plan. If I don't think this plan is suitable for me, I need to take the initiative to raise an objection. After the repayment plan is determined, the repayment must be made at the agreed time and amount. Repayment must be returned to a bank account that can be checked.
Extended data:
Inquiry method of expected credit information:
At present, individuals can query personal credit reports in three ways:
1. Internet query: You can search for credit records in Baidu to query official website, and then log in with your ID card. Generally, the internet inquiry method cannot be used for real-time inquiry, and the credit report can only be inquired after approval.
2. Self-service inquiry: At present, all bank outlets have self-service inquiry counters. At present, there are 29 personal credit report inquiry points in Chengdu, equipped with 24 self-service inquiry devices.
3. Counter inquiry: You can inquire at the counters of major banks.
If you want to check personal credit quickly, you only need two steps to find it.
1. Open the browser, search the Credit Information Center of the People's Bank of China, verify the problem after registering and logging in, wait patiently for the 24-hour verification code to be issued, enter the verification code to find your own short version of credit information, and only find the short version of credit information.
If the first way is troublesome, then the second way is simpler and more convenient. You can search through WeChat: Feiyu Quick Search, query, enter information and find your own credit data. This data comes from online lending platforms and UnionPay centers all over the country. Users can query their own big data and credit status, and obtain all kinds of index data, such as personal credit status, blacklist, online loan application record, application platform type, overdue amount, arbitration cases, information of untrustworthy people and other important data information.
What if the credit is overdue?
1. If it is only a short-term overdue, the debtor needs to contact the bank actively after making up the arrears, and try not to report the loss. Not all overdue cases will be immediately displayed in the personal credit report. If you contact the bank to pay off the arrears before the bank reports to the central bank's credit information center, you may not report the problem, and there will be no problem of overdue records.
2. If the overdue time exceeds 90 days, you need to pay off the arrears and pay attention to your credit habits. Generally, if it is overdue for more than 90 days, it has already been collected. At this time, in addition to paying off the debts, the debtor usually needs to repay a certain amount of penalty interest. In addition, in order to prevent being identified as malicious evasion of repayment, don't cancel the arrears account immediately, and the bad information will be automatically eliminated after 5 years.
3. If the overdue period is unexpected due to force majeure and other factors, the debtor may appeal to the bank and ask the bank to issue a "non-malicious overdue certificate". For example, due to illness, going abroad and other special circumstances, it is impossible to repay in time during the repayment period, resulting in unexpected overdue, and the bank can conclude that the overdue is not out of malice. If you can contact the bank to issue a "non-malicious overdue certificate", it will not affect the personal credit report.
4. If the "overdue" is not due to its own reasons, the debtor may file an "objection application" with the central bank. This "overdue" situation may be caused by system errors or fake loans. You can contact the relevant overdue banks in time to explain the situation, and then submit an objection application to the credit information center of the local people's bank. After investigation, the bad overdue records can be eliminated within 15 working days.
In the case of more and more strict credit records, only by maintaining a good credit status and avoiding overdue as much as possible can the credit crisis be avoided. Once overdue, it is the right choice to rebuild credit through legal means and repair credit through compliance agencies. Don't make a big mistake because of impatience.
How to deal with loans overdue for two years?
The online loan is overdue for two years. Users can contact the lending institution first and negotiate to apply for repayment. If the negotiation application for repayment is successful, part of interest or part of overdue penalty interest can generally be reduced, which can reduce the repayment pressure of users. If the repayment negotiation fails, the user needs to repay the repayment amount specified by the lending institution. If the specified amount is not paid off, the lending institution will still regard the user as overdue.
Since the online loan is overdue for two years, at this time, the user expresses willingness to repay, and the lending institution is usually willing to negotiate repayment with the user.
Borrowing negotiation skills to postpone repayment for two years
If you negotiate overdue repayment, you can call Ant Financial Customer Service Hotline. At present, there is no entrance to directly negotiate repayment online. After the deadline, users need to call Alipay customer service hotline to inform the customer service of the reasons for the overdue. Then submit valid proof materials to prove that your repayment ability is insufficient. Secondly, you need to show your repayment attitude and tell the customer service that you can only repay the principal, not the interest and penalty interest. Generally speaking, only under very special circumstances will interest and penalty interest be reduced or exempted.
When users apply for deferred repayment, they must clearly express their positive willingness to repay, and the negotiation can be successful. When users are unable to repay, they need to sort out their debts first, and then sort them out according to the due time and amount, and the more urgent loans will be repaid first. If you have credit card arrears, it is recommended to give priority to credit cards, because credit card arrears will cause illegal records.
Operating environment: oppo Reno 5pro v11.1AliPay app 10.2.38.
First of all, the negotiations were successful.
1. After Alipay agrees to postpone repayment negotiation, you should ask how much interest can be reduced and settled after maturity. At this time, the customer service will not say that it can be reduced for you. This is their request, but you must emphasize that after 1-3 years, you can save enough money for your current bill.
2. After reunification, Alipay will generally ask you to submit materials. Just submit the documents prepared before according to the method. If you can't produce some proofs, such as poverty proof, try to explain the reasons to Alipay and replace them with other proofs that can prove your current difficulties, such as credit+income proof.
3. After both parties reach an agreement through consultation, you will generally be informed of the negotiation results by SMS or email.
2. How long is the general consultation period?
Mainly depends on their own negotiation skills, and some need multiple feedbacks, so a fast week is enough, and a slow one takes about 3-4 weeks.
3. Will the interest on bills paid after successful negotiation continue?
Will continue, Alipay is also afraid that you will not repay, so the bill will still be displayed and developed normally.
4. Will the interest during the extension period be reduced?
Yes, but some of them may need to be explained through consultation, because Alipay is ready for your relief.
1-3 years later, Alipay will not give you an extension, prosecution or payment order, and will finally agree to your relief request.