There is no way to pay back the money, and you can usually negotiate with the bank. When the repayment is about to be overdue or unable to repay, it is best to take the initiative to call the bank to explain the situation and try to handle the installment or other related business. The earlier the negotiation, the greater the success rate.
In addition, if it is overdue or generates high interest, repayment will become more and more difficult due to the superposition of penalty interest and liquidated damages. You can try to apply for a personalized repayment plan, such as reporting the loss of downtime. There will be no collection harassment after the stop. There is no risk of being caught at the same time. You just need to make a reasonable installment repayment plan according to your own situation and repay on time.
2. China Industrial and Commercial Credit Card was frozen due to malicious overdraft and cancelled by the bank after repayment. What impact will it have on the future? How to remedy it now?
You are so negligent! One of the important standards of personal credit, bad credit will cause problems such as being blacklisted by banks, which will lead to the rise of loan interest rate after approval. Credit records are recorded in the credit database of the People's Bank of China, and banks should inquire about the credit records of borrowers when handling credit business. Under normal circumstances, the cumulative repayment of 1 year fails to reach more than 4 times, or the probability of successful overdue approval is not great. Credit records can't be modified, but they will be automatically deleted after 7 years from the date of occurrence, so the only thing you can do now is to make records and return your credit cards and loans on time. It is suggested that you can use the savings card business, and the system will automatically deduct the arrears of each period, which will not cause overdue records. At the same time, after the contact information is changed, the bank reservation information will be revised in time. Finally, if possible, consult with ICBC about the credit information and keep the original, which will be of great help to your future credit business.
3. How to negotiate repayment for overdue postal credit cards?
After the credit card of the Postal Savings Bank is overdue, if customers want to negotiate repayment, they can apply to stop paying interest, that is, they will not bear interest in the future; Or you can try to apply for an extension of the repayment period and repay the arrears in installments. During the negotiation, the customer needs to make it clear that the individual is temporarily unable to repay the loan, and provide certain proof materials (such as unemployment certificate) to show that he did not intentionally fail to repay the loan, and at the same time, he needs to take the initiative to express his willingness to repay the loan before the bank will consider it as appropriate. : How to negotiate if the credit card is overdue for more than 2 years? Call the bank voluntarily. Be sure to remember the recording and keep the evidence during the negotiation. In overdue negotiation, if the principal can only be repaid first because of problems, the unpaid principal and overdue interest will be clarified together. Show your income level, let the bank see and believe that you have the repayment ability, and negotiate the repayment plan with the bank. 1. When the credit card is overdue, you must never ignore it. First of all, you should get in touch with the bank to show your current economic situation and express your willingness to repay. I hope that the bank will coordinate and customize a reasonable repayment plan, and then work hard to make money and pay off the arrears slowly. Make clear your debts and income, and put forward reasonable negotiation requirements. Of course, only after the deadline can the negotiation conditions be met. Provide credit report that can prove your debt and income certificate issued by the company or unit, and submit it to the bank to prove your repayment ability, so as to improve your negotiation success rate. As long as your overdue situation is not too serious, pay off the arrears, and then the credit card center will make sure that your arrears have been paid off, so there will be no serious consequences. After thawing, your credit card can continue to be used, but there will be some overdue records. No matter how the bank handles it, the purpose of calling for money or looking for a lawyer is to get the money back, so you must pay back the money quickly and borrow it from relatives and friends. Otherwise, not only will there be more serious consequences, but you will also be unable to pay the late payment fee, handling fee and interest, so paying back the money is the first step, and the second step is to communicate with the bank and clarify the situation, but only when the arrears are settled can there be room for negotiation. Operating environment: apple 12, ios 14.
4. What should I do if the Postal Savings Bank fails to make overdue loans?
The conditions for the extension of the Postal Savings Bank are: the repayment difficulties caused by force majeure factors such as natural disasters, and if the repayment difficulties are caused by family accidents, it should be possible. You can talk about yourself in the credit department of the Postal Savings Bank, where you apply for a loan. Try not to have loans overdue, which will have an impact on his own credit report and make it difficult for future loans.