Because there is no restraint in credit card consumption, there are now a lot of overdue cardholders. Overdue cardholders not only have an impact on credit reporting, but also have a lot of fees to pay, so they must be dealt with in a timely manner to reduce losses. Then overdue credit cards What is the process for negotiating repayment?

What is the process for negotiating overdue credit card repayments?

1. Take the initiative to negotiate with the bank.

You need to take the initiative to contact the card issuing bank yourself, and be more sincere than the bank calling you for collection. Briefly explain your situation and ask customer service to register your application information.

2. Submit materials for negotiation.

If you want to suspend interest and hang accounts, you need to prove your own difficulties, prepare all kinds of documents and proofs, and wait for the bank's review.

3. Negotiate the installment plan.

The bank will verify the materials submitted by you to see whether you meet the conditions for interest suspension and installment, and whether the materials are stamped and whether there are any falsehoods.

After the bank verifies it, it will notify you whether it meets the conditions. If it meets the conditions, it will send a specialized negotiator to contact you. At that time, whether you want to divide it into 24 phases, 48 ??phases, or 60 phases will all depend on the actual situation of the negotiation.

What supporting documents are needed to negotiate overdue credit card repayment?

Proofing materials are the key to negotiation. Many people are confused. To know that suspension installments are prepared for people with special difficulties, you need to come up with the following items:

1. Proof of financial hardship.

Print a certificate of difficulty by yourself and write down your personal and family circumstances. If you are a rural resident, ask the local village committee to get it stamped, and for community residents, ask the neighborhood committee to get it stamped.

2. Proof of income.

Since you need to negotiate, either you are poor or have negative equity, your current income and salary situation must be truthfully conveyed to the bank.

3. Credit report.

This not only allows you to see your criminal record, but also shows your total debt, so most banks require one.

4. Proof of special circumstances.

When I negotiated at that time, if I said why I was unable to repay the loan, I had to provide corresponding documentation to prove it. For example, if you have experienced an accident, you will get a disability certificate, if you are seriously ill, you will get a diagnosis report, etc.