1. How to negotiate with the bank if the interest on the bank credit card is too high?

In most cases, the interest rate cannot be reduced if the credit card is overdue in principle, but it can be reduced if the following conditions are met.

1. Bank problem: If the credit card generates interest due to bank reasons, the cardholder may ask the bank to reduce the interest.

2. Force Majeure: If the cardholder is overdue due to major illness, unemployment, bankruptcy and other force majeure factors, he can take the initiative to explain the situation to the bank, and then submit information to prove that the bank will reduce interest after considering it at its discretion.

3. Other reasons: If the cardholder has reached a deferred repayment plan with the bank before the repayment date, but the bank still deducts money on the repayment date, the overdue interest arising therefrom may also be reduced or exempted by the bank. If you need a lawyer to intervene, you can consult a professional lawyer of online creditor's rights and debts.

2. How long is the credit card overdue?

1, more than 3 months; If there are six or more overdue behaviors in three months, the bank will set you as a credit blacklist, and this list will be uploaded directly to the central bank center, so you can't apply for credit services in the next five years, which actually has a great impact on yourself.

2, three consecutive overdue; If the credit card is overdue for three consecutive times, the bank will characterize it as malicious overdue. Once it is determined that the credit card is maliciously overdue, the consequences will be more serious than the credit card overdue. Banks will also start legal means to safeguard their rights and interests according to law, and the scope, breadth and depth of the negative impact are unimaginable.

How serious are the consequences of overdue credit cards?

1. Additional penalty: If the cardholder's credit card is overdue, the bank will carry out a series of collection work to remind the cardholder to pay the penalty. The longer the overdue period, the higher the fine.

2. Failed to apply for a loan: If the credit card is overdue, it is easy to apply for a credit. In case of credit stain, bad overdue records will be kept for 5 years. Those who are seriously overdue will be blacklisted and may not apply for loans in the future.

3. Blacklist: Credit cards that are seriously overdue will be blacklisted, restricting cardholders' consumption and travel, and more seriously affecting children's attendance at high-end private schools.

4. Prosecution: If the credit card is overdue for three months and the bank fails to return it twice, the bank has the right to sue the cardholder and force the cardholder to return the arrears.

I hope the above content can help you. If the credit card has too many overdue debts, as a cardholder, you can explain the reasons to the bank. When negotiating with the bank, you should take the initiative to explain the reasons, you can also choose to repay by installments or the minimum repayment amount, or you can borrow money from relatives and friends to return the credit card. If there is any dispute, you should analyze the specific problems.