1. What if the credit card is overdue for three years?

First of all, of course, I contacted the issuing bank to explain the specific situation. I paid in full, so I applied for a certificate from the bank. I didn't intentionally cause this reason, so I need a certificate from the bank, and then I will go directly to the credit information center to eliminate the bad record information. If you can't repay in full, you should also take the initiative to propose a repayment plan and take the initiative to consult with the bank.

Second, because people lose their freedom during their imprisonment, they will lose their working ability and economic ability, so credit card arrears are a civil liability. Although the parties have the responsibility to continue to repay the credit card, the bank will be lenient and may not increase interest. Personal credit information has a bad record.

Third, if necessary, if you can get help from relatives and friends, first ask them to borrow some money to pay back the credit card arrears; If there is really no way, you can call the credit card customer service phone first to take oral records; After you get out of prison, apply to your credit card bank for interest-free. At this time, the bank will settle your debt in full.

2. How to negotiate repayment with the bank when the credit card is overdue for three years?

1. First, call the bank's customer service number, transfer to manual customer service, and indicate the repayment intention to the bank, then you can bring your valid ID card, credit card and proof materials to the counter for specific negotiation. Be modest and don't arbitrarily reason with the bank. After all, your money comes first.

2. Then try to win some negotiation opportunities for yourself. You can also negotiate with the bank after paying the minimum repayment amount, so that the bank will think that you have the ability to repay.

Third, how to deal with the overdue suspension of credit cards?

1. Apply directly to the bank. First of all, contact the official customer service of the bank credit card center, explain your situation and the reasons why you can't repay, and apply to the customer service for stopping payment. The premise is that you must have good credit. At this time, if you complete the authentication according to the customer service, you can apply to stop payment.

2. The conditions for dealing with the suspension of interest payment include the inability to repay the arrears, even if it is overdue, because the bank will investigate the personal income and liabilities. Try not to use the stupid way of losing contact to escape the collection.

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication cases and make detailed and targeted answers for you, so as to avoid incorrect answers due to incomplete information and poor communication. I wish the rights protection success.