You can negotiate not to automatically deduct the money, but you can take the initiative to repay it.
Details are as follows:
1. You can negotiate not to automatically deduct the payment: If your credit card is overdue for one year, the bank will automatically deduct the payment as overdue repayment. However, you can negotiate with the bank and request that automatic deductions cease and you choose to repay the money proactively.
2. Active repayment method: After you have successfully negotiated with the bank, you can decide when to repay and repay through other methods, such as online banking, mobile banking or going to the bank counter .
3. Possibility of negotiation: Negotiating whether to accept active repayment requires communication with the specific bank. Different banks may have different policies and requirements for this, so before negotiating with the bank, it is recommended that you check the relevant bank policies or contact the bank customer service to inquire whether negotiation is possible.
Summary:
If your credit card is overdue for one year, you can try to negotiate with the bank and request that automatic deductions cease and you choose to repay the credit card proactively. The specific negotiation results depend on different bank policies and requirements. It is recommended that you understand the relevant information in advance and communicate with the bank.
Extended information:
Late repayment will have a negative impact on personal credit history. It is recommended to contact the bank as much as possible before overdue, proactively communicate and seek solutions. At the same time, when using credit cards, you should pay attention to reasonable planning and management of funds to ensure timely repayment to maintain a good credit record.
Please note that the above answers are for reference only, and the specific negotiation results still need to be communicated with the relevant banks.