1. How to negotiate for suspension of interest payments 1. Give "irresistible" reasons. According to the above-mentioned "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks", cardholders must be unable to repay before they can apply for personalization. Therefore, before applying, everyone must first express that they are overdue due to irresistible reasons. 2. Show your determination to repay the loan and your attitude of giving priority to repaying the bank's credit card. Choose forced installment or you will be unable to repay. Each bank has different policies regarding overdue time and amount. Once the application is rejected, there is little hope of successful application. If you are worried about being rejected, you can also seek legal help and strive for the maximum amount of reduction, divided into 60 installments. 2. What are the pros and cons of credit card suspension and suspension of accounts (1) Advantages 1. After suspension of interest and suspension of accounts, the debt can be repaid in installments to avoid interest compounding. 2. The interest-free loan can be repaid in up to 5 years to ease the repayment pressure, and repayments will be made every month in accordance with the agreement. 3. After handling the suspension of interest payments, the bank will no longer collect debts from the cardholder. 4. After suspending the interest rate and suspending the account, you no longer need to worry about being sued by the bank. It is recommended that you make a recording before handling it as a voucher. (2) Disadvantages 1. Suspension of interest is applied when the credit card is overdue and bad credit has been generated. 2. Before the debt is fully settled, no more credit business from any bank can be processed. 3. If you do not repay as agreed, collections will come back, and the bank may even directly sue you for credit card fraud. 3. What are the consequences of a malicious overdue credit card? 1. The borrower needs to bear the liability for non-repayment of the credit card, which is usually high penalty interest and liquidated damages; 2. Suffering from collections by banking institutions; 3. The credit card is overdue for 90 days and has not been repaid. Yes, you may also be sued by the banking institution.