In real life, card friends often have no money to repay after overdrawing their credit cards. They can only watch the interest charges arising from overdue increases, and the longer they delay, the more unable they are to repay them. In fact, in this case, you can try to negotiate with the bank to repay only the principal. Of course, we should pay attention to some skills when negotiating, but it will get twice the result with half the effort. Let's have a look.

The bank will not negotiate with the cardholder to repay the principal, so the cardholder needs to communicate with the bank himself. However, you must not try if the overdue time is not long, unless the amount you owe is more than 10 thousand yuan. It is recommended here that the overdue time is greater than 9 1 day, so be sure to try.

The method of negotiating the principal is actually very simple. Call the customer service number of the issuing bank or directly consult the lobby manager at the outlet counter. It is best to choose the second method. Telephone communication is still not good in person. When negotiating, bring your ID card, proof of income and other materials.

During the negotiation, I mainly asked three questions:

1, ask about the composition of the credit card bill, that is, how much principal, interest, liquidated damages and so on. ;

2. Ask the specific overdue time again, because different overdue times have different repayment orders. According to the regulations of the People's Bank of China, if the credit card is overdue for 1-90 days, the repayment shall be offset in the order of interest receivable, various expenses and post-principal. If the overdue period exceeds 9 1 day, it shall be offset by the principal first, interest later and various expenses.

3. Ask whether the interest generated by the other party and the monthly late payment fee can be reduced or exempted, and ask for a new installment plan, which can be applied for up to 5 years.

In the process of negotiation, you must pay attention to your attitude and don't contradict the bank. After all, we need people. You can get a good impression by lowering your posture, and you must safeguard your rights and interests. We must resolutely say no to some unfair terms and formulate terms acceptable to both sides.

In short, credit card negotiations only need to pay attention to certain skills. If it can be solved, solve it as soon as possible. It is best to keep relevant evidence. No matter how you negotiate, you should protect your own interests. That's all that matters.