1. How long will it take for the credit card overdraft to be suspended?

1. If the credit card is overdue for one or two months, the bank will not agree. It is best to apply again after three months, and the probability will be much higher. Many people want to apply for suspension of credit card repayment because they are afraid of high interest and liquidated damages. "Suspension of credit card payment" means to stop calculating interest, keep accounts first, and not pay back the money first. In fact, banks really don't have this business. "Stop paying the bill" is just an expression of the outside world, and there is no basis. So everyone was rejected when negotiating with the bank because there was no such business.

2. Actually, the professional statement is that personalized staging is based on Article 70 of the Regulations on the Supervision and Administration of Credit Cards. When the cardholder is unable to repay the loan in one lump sum, he can negotiate with the bank for personalized installment service, the longest of which shall not exceed 5 years. Therefore, when we negotiate with the bank, we must not say "stop paying interest", but say personalized installment.

Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks stipulates that under special circumstances, if it is confirmed that the amount of credit card arrears exceeds the cardholder's repayment ability and the cardholder still has the willingness to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years.

Second, how long will it take for the credit card to return to normal after overdraft?

1. overdue due to reasons other than my own.

Under normal circumstances, if the person who has applied for a credit card under a false name is overdue, he or she or someone authorized in writing will fill out an objection application and apply to the bank. You can usually get a reply within 20 working days. In this case, the time to resume credit investigation is the shortest.

2. Overdue within one month.

This is divided into two situations. One is to pay off the arrears immediately 1~3 days after the repayment date, which is regarded as normal repayment and not overdue; One is that there is no grace period, or if it is overdue within 4 to 30 days after the grace period, it may not be reported to the central bank for credit investigation, but it may still generate overdue penalty interest. Repayment as soon as possible is the correct solution.

3, overdue for more than a month.

This situation has been reported to the central bank for credit investigation, resulting in bad credit. However, this situation should not be broken. You should pay back the money as soon as possible and continue to maintain good credit habits. When the personal credit record is automatically restored, it will be restored after 5 years from the date of repayment, and it shall not be overdue halfway.

Your headache is exactly what we are good at solving. Teach you to stop paying the account and interest in the right way, and divide it into 60 interest-free installments to avoid being sued.