Secondly, if the negotiation is unsuccessful, we should keep some evidence of timely repayment. Go to the banking regulatory bureau for consultation and make it clear that you want to pay it back and can pay it back. Make sure there is enough evidence to improve the success rate.
Finally, when all the above methods fail, we should try to collect all the money to pay off the loan and avoid bank prosecution. After that, the bank will agree to close the account and pay interest, but this does not mean that this behavior is worth promoting. Because this kind of behavior will bring bad influence. Because the stop-loss account will appear on the credit report, then the lending institution can see it. After reading the credit report, the bank will find that you have a record of stopping paying interest, and will judge that your repayment ability is insufficient, so it will not give a loan.
How to apply for stopping the interest-bearing account? First, apply for manual customer service through the phone number on the credit card. If you are far from the issuing bank, or don't have much leisure time to deal with this matter, you can directly call the customer service number recorded on the credit card, call the manual customer service, and apply for credit card suspension online.
Second, go directly to the counter of the issuing bank and find the relevant staff to apply. If you feel that online processing is not safe enough, you can also go directly to the issuing bank for relevant consultation. It should be noted that the suspension of interest payments is just a folk name. In banking, this kind of business is usually called personalized staging, which needs to be paid attention to when negotiating. If the expression is not clear, it may be rejected by the bank.