1. Contact the issuing bank: First, contact the credit card issuing bank, explain your own situation and express your wish to cancel the account.
2. Negotiate payment plan: negotiate with the issuing bank and propose a feasible repayment plan. You can ask for the reduction or exemption of overdue fees or installment repayment to reduce the burden.
3. Abide by the agreement: once an agreement is reached with the issuing bank, ensure that the repayment obligation is fulfilled on time. Abiding by the agreement will help restore the credit record and prevent further overdue charges.
Summary:
To suspend the credit card, you need to contact the credit card issuer to negotiate the payment plan. It is an important first step to contact the issuing bank as soon as possible and then ensure the repayment on time according to the negotiation results.
Extended data:
Before negotiating the payment plan, you can understand the relevant legal provisions and policies, so as to better understand your rights and responsibilities. In addition, it is recommended that you keep a good credit record to avoid the occurrence of overdue credit cards. It is also a good habit to check your credit report regularly to ensure that the records are accurate.
Please note that these suggestions are for reference only, not legal advice. The specific solution may be different according to the individual situation and the policies of credit card issuers.