1. How to apply for an installment suspension with the bank

First, go directly to the bank where the card is issued and apply to the relevant staff. After your credit card is overdue, you can go directly to the bank where the card was issued, negotiate with the relevant staff, and express your need for interest-free installments. During the negotiation process, you must pay attention to ways and means to express your willingness to actively repay, otherwise the bank will usually not agree to the debtor's request.

Second, negotiate online through the customer service phone number on your credit card and put forward your demands. Secondly, in addition to the above method, friends with overdue credit cards can also apply for interest suspension installments through online negotiation. Nowadays, most credit cards have service telephone numbers on them, and users can also handle them directly through this method.

Cardholders need to note that the bank does provide personalized installment services after the credit card is overdue. However, not all overdue people can successfully apply. Cardholders must maintain a good attitude and willingness to repay during the process of being collected. During the negotiation process, you need to pay attention to the method and make it clear to the bank that you have a good willingness to repay, but you just lack the ability now.

Cardholders need to actively apply with the bank. For every day overdue, the bank can charge one more day of penalty interest. Most banks will not actively negotiate with cardholders for installment repayment.

2. When to apply for interest suspension and hanging account

When the consumption amount is too high but you have the initiative to repay, you need to apply for an extension of the repayment time.

1. Although credit cards provide convenience for people to pay for consumption, but the amount of consumption is too high and exceeds one's repayment ability, if the individual has the initiative to repay, he can negotiate with the bank. , apply for suspension of pending accounts.

2. Article 70 of the "Measures for the Supervision and Administration of Credit Cards of Commercial Banks" stipulates that when it is confirmed that the cardholder is unable to repay in one go, he can negotiate with the bank for personalized installment repayment, and the maximum repayment period shall not be More than 5 years.

3. How to apply for interest-rate suspension and suspension of accounts

1. Call the bank’s official customer service number to make an appointment for repayment;

2. Make an appointment at a bank outlet to handle interest-rate suspension and suspension of accounts. Apply;

3. Negotiate at a bank outlet to suspend interest rates and debit accounts, emphasizing your willingness to repay and the current predicament;

4. After negotiation, sign a new repayment agreement , you can obtain the bank's suspension of interest rates;

5. If negotiation fails, apply through legal channels.

In special circumstances, you can click the consultation button on the right. The website provides professional lawyers to answer questions and help you solve your repayment problems so that you can return to your normal life.