The interest suspension on bank account means that the borrower fails to repay the principal and interest of the loan on time for some reason, and the bank suspends the accounting processing of interest calculation on schedule, and the outstanding loan balance and interest are left on the account (i.e., on account) for later processing. After the borrower obtained the loan, he failed to repay the loan on the agreed repayment date. Due to internal or external factors or reasons of the bank, the loan and interest will not and cannot be repaid in the short term. For management or processing needs, the balance of the loan Interest will no longer be calculated, but the principal balance of the loan and the interest previously accrued and yet to be repaid will still be recorded in the name of the original borrower. In the bank's internal account: Customer A's account number is 12345678X. Be sure to check the balance in the debited account and find that there is a balance. Some accounts can have a balance.

If the previous number is wrong. If the account number is correct, the system will automatically credit customer A, but it is found that the last digit is written in lowercase. For example, the fee income account should be entered into the internal account first, or into the customer account, but the system regulations of Customer A's bank account are stipulated. It has a balance on it, or an account that can have a balance internally, a customer's account, a company's account, and a lowercase x is used in the last digit. But now the last digit is a lowercase x. According to Article 70 of the Credit Card Supervision and Administration Regulations, you can apply for suspension of credit card suspension if you meet the following four points:

Condition 1: The cardholder has the willingness to repay;

Condition 2: Hold the card The person has the ability to repay the loan in installments;

Condition 3: The cardholder has overdue and cannot repay the debt in one go;

Condition 4: The cardholder wants to return to a normal living environment Yes, stop collection calls and do not want to be executed; after a credit card is overdue, high liquidated damages and penalty interest are indispensable. Many people like to pay back a little if they have money, but if they cannot pay off the principal together, they will have to pay back the debt. The money that goes in is first deducted from liquidated damages and interest, and the principal is almost not reduced. As a result, the debt problem has not been solved for a long time. After the credit card is overdue, cardholders should not blindly pay back the money. The bank's plan to suspend the interest rate and suspend the account can help us. If it is confirmed that the amount of credit card debt exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the cardholder can negotiate with the bank on an equal footing to reach a personalized installment repayment agreement.

Legal Basis

"Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

Article 70 Under special circumstances, it is confirmed that the amount owed by a credit card exceeds the amount owed by the cardholder The borrower has the ability to repay the loan and the cardholder is still willing to repay. 2. After the borrower obtains the loan, he fails to repay the loan on the agreed repayment date. Due to internal or external factors or reasons of the bank, the loan and interest will not and cannot be repaid. If the loan is repaid in a short period of time, for the purpose of management or processing, the loan balance will no longer be accrued interest, but the principal balance of the loan and the interest that has not been repaid before will still be recorded in the name of the original borrower.