1. How to negotiate repayment with the credit card bank?

1. Show a positive attitude towards repayment:

If you want to negotiate with the bank and apply for an extension of the repayment period, amortization or suspension of interest payments, first of all, you cannot Choosing to ignore the debt, even if the overdue debt cannot be paid off in full at the moment, the cardholder should be able to pay back a little bit, so that he can show his willingness to actively repay when negotiating with the bank later.

2. Explain clearly the reasons for overdue:

As long as you clearly explain the reasons for overdue, such as failure to start a business, or diversion for emergency use, etc., prepare sufficient information and express your positive attitude towards repayment. The bank will consider the cardholder's willingness to pay as appropriate based on the cardholder's situation. If the bank agrees, the cardholder can discuss a new repayment plan with the bank, and then repay according to the new repayment plan.

3. Make sure the call is open:

If the bank cannot contact me when the credit card is overdue, it will cause the misunderstanding of evading repayment.

2. What should I do if my credit card is stolen?

1. Notify the bank and report the loss

Cardholders should immediately call the bank’s customer service number to inform them of the abnormal account changes, report the loss, and follow the instructions of the customer service staff. Cardholders should also ask the bank about the method, time, location, account information of the other party in the transaction, and the location of the nearest ATM machine. If necessary, the cardholder can write down the customer service agent's number for future verification in a lawsuit.

2. Alarm handling

After notifying the bank, the cardholder should promptly call 110 to call the police and inform the amount, method, time, location, and account information of the other party in the transaction. Cardholders should also follow the requirements of the public security organs, go to the bank to print out their account details, and wait until the public security organs handle the alarm procedures with their bank cards and ID cards.

3. ATM machine operation

Cardholders should quickly go to the nearby ATM machine to operate the bank card. Since the loss has been reported before, the ATM machine will swallow the card and the cardholder will The receipt should be kept. The purpose of this is to prove that neither the card owner nor the bank card was at the scene of the theft, and that the bank card was forged and stolen by others. Experts emphasize that in cases of counterfeit card theft, using the ATM machine to operate the real card in a timely manner after the theft occurs is one of the effective ways to prove that the counterfeit card has been used. After the bank card has been swallowed, the cardholder should go to the bank to go through the card withdrawal procedures in time, so that he can take the bank card to the public security organ to handle the reporting procedures.

3. Will applying for a credit card affect your credit report?

Under normal circumstances, applying for a credit card will not affect the user's personal credit report. However, there are three situations in which applying for a credit card will affect the credit report:

1. Apply for a credit card but don't use it.

Since credit card application records will be synchronized to the user’s personal credit report, if you apply for a credit card but do not open it or use it for a long time, most banks will consider this behavior to be malicious. Card, the credit report will show that the card is not activated, and it will be more difficult to apply for a new card later.

2. Credit card repayments are overdue.

If a user overdues or fails to repay a credit card for a long time after applying for a credit card, it will have a great impact on the personal credit report.

3. Too many credit cards.

The total credit limit of a cardholder is basically stable. Every time you apply for a credit card, it is equivalent to using part of the total credit limit. If you apply for too many cards, it will be more difficult to apply for new cards, even if you apply for a new card. If it can be done, the amount will be relatively low.

When negotiating credit card repayment with the bank, you must indicate your willingness to repay. Applying for a credit card will not affect your personal credit score unless it is not used or is overdue. Affecting credit reporting. If your credit card is stolen after you apply for it, first apply to the bank to freeze the card and then call the police.