1. How to negotiate with the bank to solve the overdue credit card of Bank of Communications

1. Show a positive repayment attitude

If you want to negotiate with the bank and apply for an extension of repayment period, installment repayment or suspension of payment, first of all, you can't choose to ignore the arrears after they are overdue. Even if you can't pay off all the overdue debts at the moment, the cardholder should be able to pay back one thing.

2. Explain the reasons for overdue

As long as the reasons for overdue, such as business failure or emergency use, are clearly explained, sufficient information is prepared, and the bank expresses its willingness to actively repay the loan, the bank will consider it as appropriate according to the cardholder's situation. If the bank agrees, the cardholder can negotiate a new repayment plan with the bank, and then repay according to the new repayment plan.

3. Keep the call open

If we can't get in touch with ourselves when our credit card is overdue, it will lead to the misunderstanding that we are evading repayment.

2. What should I do if the credit card is overdue?

1. Avoid collection without losing contact

After the credit card is overdue, the bank will send text messages and phone calls for collection. It is best for the cardholder not to contradict. If a bank calls, it will answer the phone as soon as possible. Never think that you can not answer the phone after the deadline, or change the number so that the bank can't contact you. If you do this, the bank will only think that the cardholder is maliciously avoiding debts and will call the cardholder's contact person.

2. Clarify the amount of overdue debts

After the credit card is overdue, there will be penalty interest and liquidated damages. The cardholder should add the principal owed to the interest generated to calculate the actual amount owed, and then see how to repay it according to his income and liabilities. If the overdue period is less than 3 months, the cardholder can repay the money as soon as possible if he can easily repay it himself, instead of borrowing money from family, friends and relatives. There are so many interests that are overdue for more than 3 months that there is really no way to pay them off in one lump sum. Take the initiative to contact the bank to see if you can negotiate repayment, and let the interest not rise again by reducing interest or repaying it in installments.

3. Don't cancel the card when you pay off the debt

No matter whether you can use the card after it is overdue, don't cancel the card easily. Once you do this, the overdue record will be frozen, and there will be no new record to cover the bad record, so you can't handle any credit records until the overdue record is eliminated. If the credit card can still be used best after it is overdue, it is necessary to spend more on the card and repay it on time to form a good credit record. If you can't use the card, you should always pay attention to the deduction of the credit card. If the annual fee is deducted, you should repay it in time and don't be overdue.

official website, who logs into the card-issuing bank, follows the corresponding steps, provides the financial proof of the cardholder, explains the reasons for the overdue, and can negotiate with the bank to solve the problem of overdue credit cards. If you can't pay back the credit cards, you should sort out all the arrears, then ask your relatives at home for help, and you can borrow money from them to repay them, or you can repay them directly.