1, sort out your debts and take the initiative to contact.

After the deadline, sort out liabilities in time, such as some credit cards and online loans, and summarize the minimum installment agreed with the bank. It is acceptable!

Then take the initiative to contact the bank, inform yourself of your situation, have the willingness to repay, and explain why you can't pay off your debts at one time. You want to apply for personalized installment repayment, and tell yourself the number of installments you can afford and some materials to prove, so that the bank can register it, and then wait for the bank to call back. This is similar to the negotiation of overdue treatment (ps: Don't mention the reasons, there are difficulties, favorable conditions should be put aside, and what should not be mentioned should not be mentioned.

2. Don't run away from the collection.

Specifically, since it's overdue, what's your attitude towards the collection with insiders of the bank or the three parties, and whether you sincerely show your needs and attitude? If the cardholder himself has foul language, lies, lost contact, etc. During the collection period, the probability of your application for suspension of payment will be greatly reduced.

3. Have certain economy and repayment ability.

As the saying goes, "saving the poor from emergency", the fundamental reason why banks agree to negotiate must be that they know that they can recover their debts. Then the debtor should provide the corresponding work certificate, or running salary certificate, indicating that he has a stable job or a source of income, so long as he can pay in installments, he can repay the loan as scheduled every month. It's just that the situation is special and unbearable now.

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