2. Make your own demands through online negotiation through the customer service phone on the credit card. Secondly, in addition to the above methods, friends with overdue credit cards can also apply for stopping installment through online consultation. At present, most credit cards have service telephone numbers, and users can also handle them directly in this way.
3. Cardholders should pay attention to the fact that the bank does provide personalized installment service after the credit card expires. However, not all overdue people can apply successfully, and cardholders must maintain a good repayment attitude and willingness in the process of being collected. In the process of negotiation, the way to pay attention is to make it clear to the bank that we have a good willingness to repay, but our ability is insufficient now.
4. Cardholders need to take the initiative to apply to the bank. For each overdue day, the bank can charge a penalty interest for one day. Most banks will not take the initiative to negotiate installment repayment with cardholders.
5. In addition, if the cardholder is overdue due to some objective factors of a third party, according to the regulations, the bank needs to agree to the cardholder's personalized installment negotiation repayment request on the premise of meeting the requirements. The so-called third-party objective factors actually refer to bankruptcy, business failure, family treatment and so on. It is difficult for banks to negotiate without special reasons.
6. After successful staging, the specific staging times are related to the applicant's situation. The poorer the staging, the longer the staging time. Some people are divided into 60 installments, and suddenly they have money in the middle, so they can pay it back in advance.