In September, banks issued a policy to rescue overdue cardholders, and credit card users can negotiate on an equal footing with their banks. If the cardholder is unable to repay the debt due to excessive actual financial pressure, he or she can apply to the bank for overdue negotiation and formulate a personalized installment plan.

1. The credit card has expired.

2. The cardholder is willing to repay the loan after the due date.

3. Have the financial ability to repay the loan later to prevent it from being overdue for the second time. (Judgment by the bank)

After applying for interest-stop installment repayment, part of the interest and liquidated damages can be reduced or exempted. And once a personalized installment plan is reached, bank collection and third-party collection will stop. Without the harassment of debt collectors, cardholders will reduce a lot of mental pressure in life and work, and they will be more active in repaying their loans.

In addition, the application stage can also help cardholders reduce part of the interest and liquidated damages. After all, it is to help cardholders solve their debt problems, and it highlights the two points of personalization and humanity.

Shanghai Pudong Development Bank: The number of personalized installments is long, the monthly repayment is low, and the minimum repayment can be less than 1,000.

Bank of Communications: The number of personalized installments is generally longer, and applications for small amounts of funds can usually be divided into longer installments. "Small amount and more points" is the characteristic of Bank of Communications. Monthly repayments can even be Can be lower than 1000.

Minsheng Bank: The number of personalized installments is relatively fixed, floating around 36. And you need a down payment of 10% of the outstanding amount to apply for the interest-stop installment plan.

China Construction Bank: Represents the unified standards of the five major banks. The installment time is relatively fixed, the fluctuation will not be too large, and there is no reduction or exemption. A down payment of 5-20 is required to negotiate. According to the repayment ability of different regions, the down payment in economically developed areas is small, while the down payment in underdeveloped areas is large. The main reason is that banks are afraid that you will be overdue a second time.

Bank of China: has the right to reject applications for interest-rate suspension installments. (No way, I can’t afford to offend the leader of all banks)

China Guangfa Bank: The number of personalized installments is also quite satisfactory, and the probability of reduction or exemption is quite satisfactory. Suspended installments require a handling fee of three thousandths. (After all, banks are all profitable)

China Merchants Bank: All aspects of the application are quite satisfactory, but this kind of bank is often the easiest to succeed.

Banks that require a down payment (5-20) also include: CITIC, Everbright, Huaxia, and Ping An. It is necessary to negotiate that the cardholders of these banks need to prepare funds.

Overdue negotiation can reduce the repayment pressure of overdue cardholders to a great extent. However, it is worth mentioning that applying for personalized interest-stop installment services can only help overdue cardholders more effectively. Repayment is not a way to reduce debt. Paying back slowly is the last word.