If you want to negotiate repayment after your credit card is overdue, you can call the bank's customer service number. After being transferred to the manual customer service, explain the reason for your overdue payment and actively propose a repayment plan. The staff will record it and transfer it to the corresponding processing department. .
After applying, you will receive a call back from the bank’s customer service or a collection company that cooperates with the bank to negotiate a repayment plan. If you feel that the plan is not suitable for you, you need to actively raise objections. After the repayment plan is finalized, a new contract, also called an agreement, will be signed.
After signing the new agreement, the cardholder must repay the amount according to the agreed time and amount, and the repayment must be returned to the bank account that can be verified. If the repayment is overdue on the basis of this agreement, then there is no possibility of negotiation. After all, the bank has given you a chance.
After reading the above introduction, I believe everyone has a better understanding of the issue of whether to sign an agreement for overdue credit card repayment negotiations. If your credit card is overdue and you negotiate with the bank for repayment, the key to success is to prove that you are currently unable to repay. It is best to print a certificate of difficulty, go to the subdistrict office to get it stamped, and show it to the bank.
The earliest credit card appeared at the end of the 19th century. In the 1880s, the British clothing industry developed so-called credit cards, and the tourism and business sectors followed suit. However, the cards at that time could only be used for short-term commercial credit, and the money still had to be paid as and when used. Long-term arrears were not allowed, and there was no credit limit.
A credit card is generally a special carrier plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name, etc. are printed on the front, and there is a chip on the back. Magnetic strip, signature strip. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.
It is said that one day in the 1950s, American businessman Frank McNamara was entertaining guests for a meal in a New York hotel. After the meal, he found that he had forgotten his wallet and had to call his wife to bring cash. McNamara came up with the idea of ??starting a credit card company because he felt embarrassed about paying the bill at a restaurant. In the spring of 1950, McNamara and his friend Schneider invested US$10,000 to establish the "Diners Club" in New York, the predecessor of Diners Club. Diners Club provides members with a card that can prove their identity and payment ability. Members can use the card to record their purchases at 27 designated restaurants without having to pay cash. This is the earliest credit card. This kind of credit card that does not require bank processing is a commercial credit card.
In 1952, Franklin National Bank in California, USA, was the first financial institution to issue a bank credit card, becoming the first bank to issue a credit card.
In 1959, Bank of America issued the Bank of America card in California. Since then, many banks have joined the ranks of card-issuing banks. By the 1960s, bank credit cards were quickly welcomed by all walks of life and developed rapidly. Credit cards became popular not only in the United States, but also in the United Kingdom, Japan, Canada and European countries. Since the 1970s, Hong Kong, Taiwan, Singapore, Malaysia and other regions have also begun to handle credit card services.