1. How to apply for interest-free installment for credit cards?

prepare the ID card, credit report and other materials to apply to the issuing bank, but banks that meet the following conditions will agree to interest-free installment:

1. It has been confirmed that the amount owed is clearly beyond the repayment ability of the debtor.

2. On the premise of repayment willingness, the debtor should take the initiative to negotiate and communicate with the bank before the deadline.

3. There are reasonable reasons, such as failure to repay the loan on time due to external factors, unemployment, illness and other reasons.

second, what are the circumstances under which a credit card can be cancelled?

(1) Failing to go through the card replacement formalities after 45 days after the expiration of the validity period;

(2) There is no supplementary card or replacement card within 45 days after the loss is reported;

(3) The credit card is unqualified, and it has been included in the payment stop list, and the issuing bank has recovered the credit card for 45 days;

(5) If the cardholder requests to cancel the account or the guarantor cancels the guarantee, all the credit cards will be returned within 45 days;

(6) No trading behavior for more than 2 years;

(7) the cardholder violates other regulations.

3. What are the solutions to the temporary inability to repay the credit card?

1. Borrow money from relatives and friends to temporarily fill the loophole.

If it's only a temporary situation, you will soon have enough money to ask friends and relatives for help.

2. Apply for deferred repayment.

in case of unexpected circumstances, such as being ill in hospital or being unemployed, you can contact the customer service of the bank. Tell the customer service about your real situation, and then apply for deferred repayment.

3. Apply for suspension of interest and payment by installment.

when the situation is serious and repayment is relatively more difficult; You can contact the bank customer service. Provide relevant materials to apply for suspension of payment and repayment in installments.

4. apply to the bank for credit card debt relief.

negotiate with the bank to reduce the credit card debt. If negotiation fails, the credit card debt can be reduced through judicial organs.

4. what are the conditions for handling a credit card?

1. There are certain age requirements for handling credit cards: you must have full capacity for civil conduct, that is, you must be 18 years old or above.

2. Have legal and stable income and good credit.

3. Provide corresponding identification documents: a copy of ID card or military officer's card.

4. proof of work. some banks also need to provide proof of income.

5. Proof of residence, which can be a copy of the household registration book or proof issued by the street.

this repayment method of interest-free installment is aimed at cardholders who can't pay off their credit card debts temporarily, but not paying off their credit cards doesn't mean that they can apply for interest-free installment under any circumstances. Cardholders can apply for interest-free installment according to their actual situation, but the issuing bank may not allow it. If the issuing bank doesn't agree, it must be solved by other means.