Hello, I still owe money to my credit card. Regardless of whether it is overdue or not, we can negotiate with the bank for repayment and see if we can get the bank to extend the repayment period or increase the interest. Give me a discount. Of course, this does not mean that negotiation with the bank will definitely be successful, but we can use some skills during negotiation to increase the success rate.

How to negotiate repayment if you owe credit card money

1. Take the initiative to negotiate repayment with the bank

If you do not repay the credit card debt, the bank will not take the initiative to negotiate with you. If you negotiate, they will just press you to repay. Therefore, if you want to negotiate repayment, you must take the initiative to contact the bank and negotiate before it is overdue to see if the bank can extend the repayment period and provide a certain interest discount. If the bank does not agree, you can call more times.

2. Be sincere and willing to repay

When negotiating repayment, you must tell the bank that it is not a malicious overdraft, and then state your financial situation. It is best not to blindly Emphasize that you have no money to repay. You should talk about your difficulties and say that you have no way to repay for the time being, but you have income from work and are working hard to raise money to repay. See if the bank can negotiate a repayment plan acceptable to both parties

3. Keep relevant evidence at all times

Whether you are negotiating for repayment or being collected, remember to keep relevant evidence, such as recording the conversation with the bank. If you are being called for collection, there will be For violent debt collection, you can record the relevant video and then report it to the bank. It is said that the success rate of negotiation is higher if you negotiate in this way. Of course, your attitude must be civilized and friendly in advance.

In addition to mastering the above negotiation skills, you should also pay attention to these matters if you are debted during the negotiation process:

1. Do not take various measures to avoid debt collection. You must answer the debt collection call. Yes, door-to-door collections must also be received in a friendly manner. Blind evasion will only make the negotiation completely hopeless.

2. If you are treated with rude words when being collected, do not argue with the other party. You can record and videotape the situation, then call the police and learn to use the law to protect your own rights and interests.

3. No matter how the debt collector treats you, remember not to give money directly to the other party, because you cannot guarantee whether the money will be handed over to the bank.