Work hard and get positive returns. You can't pay it off at once. You can pay it back slowly, and don't enter the cycle of robbing Peter to pay Paul again. Communicate with multiple salespeople. Live hard! The past is a new beginning. Negotiation skills after loans overdue: 1. The attitude of answering the phone. Some bank collectors may feel angry and impatient. On the premise that the other party has no personal attack, we suggest that you lower your posture, seek the best communication way and express your willingness to repay. Don't scold them. If it is not solved, things may get worse. 2. Keep the evidence. The most important thing in credit business is to keep evidence, whether it is contract, bank flow, screenshot or recording. It is suggested that the negotiation process be recorded, which will help to safeguard rights in the future. 3. Make a plan. The purpose of the bank is to recover the loan, and the purpose of the borrower is to postpone the repayment. In fact, there is no conflict on the whole, and the key is time. So you can ask for an extension of the loan term, or re-conclude the loan contract, or increase some interest appropriately, and get a favorable result through continuous negotiation. 4. "Squeeze toothpaste for repayment". Under normal circumstances, banks will not sue you, but some banks will take legal measures. In order to prevent this, you can pay back some money when the bank urges you to repay. As long as you promise to answer the collection call and actively repay, it is not a malicious debt. 5. Mortgage repayment. If the debt in your name is too high, see if there is any property that can be mortgaged, and you can pay it back appropriately. Otherwise, the bank may actually sue. Consequences of overdue bank: 1. Penalty interest Once overdue, the bank will calculate the penalty interest according to the overdue amount, and the penalty interest intensity of each lending institution is different. For example, Citibank's penalty interest rate is 50% higher than the original interest rate. 2. Bad record. In fact, overdue is not terrible, but it must be paid off in time, not too many times. If there is a continuous situation, it will be difficult to handle bank credit business again. 3. Be sued. If the amount you owe is too high, the bank may sue directly. After the court decides, you can freeze your bank deposits and seal up your property and vehicles.