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The application conditions for suspension of interest payments are: the user has confirmed that the credit card debt exceeds his or her repayment ability; the user has the willingness to repay; and a more suitable loan is required reason. If the above three conditions are met, users can apply for suspension of account suspension. Regarding the question of how to apply for a loan through a credit card, the editor of .com will answer it in detail for you below. 1. Application conditions for suspension of interest and pending accounts 1. Application conditions for suspension of interest and pending accounts are: the user has confirmed that the credit card debt exceeds his/her repayment ability; the user has the willingness to repay; and there needs to be a more appropriate reason. If the above three conditions are met, users can apply for suspension of account suspension. It should be noted that the suspension of interest and suspension of accounts occurs after it is overdue. You cannot apply for suspension of suspension of accounts before it is overdue. 2. For users, suspending interest and hanging accounts can help users repay their loans in a planned manner. At the same time, the interest exemption can reduce the user's repayment pressure, so that users can pay off overdue debts as soon as possible. 2. The process of interest suspension and account suspension 1. Account suspension and interest suspension means that the borrower fails to repay the principal and interest of the loan on time for some reason, the bank suspends the accounting processing of interest calculation on schedule, and the outstanding loan balance and interest are left lying on the account (i.e., the account is pending) for later processing. 2. The legal basis for suspension of interest payments is in accordance with Article 70 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": Under special circumstances, it is confirmed that the amount of credit card debt exceeds the cardholder's repayment ability and the cardholder still has repayment If willing, the card-issuing bank can negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement. 3. The application procedure requires the cardholder to contact the relevant bank staff according to the customer service number on the back of the card; and then inform him that he did not overdue the card maliciously, and explain clearly the reason why he failed to return the overdraft credit card in time. It is best to base it on the actual situation. situation to explain. If the bank approves, the bank will sign a personalized repayment agreement in accordance with the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks". The above is the relevant content compiled by the editor. The application conditions for suspension of suspended accounts are: the user has confirmed that the credit card debt exceeds his or her repayment ability; the user has the willingness to repay; and there needs to be a more appropriate reason. If the above three conditions are met, users can apply for suspension of account suspension. If you have any other needs, please go online for one-to-one legal consultation.