1. How to apply for a suspension of interest payments on a credit card if you are unable to repay?

Prepare your ID card, credit report and other materials to apply to the card issuing bank for suspension of interest payments, and meet the following requirements Banks that meet the following conditions will agree to suspend interest rates:

1. It has been confirmed that the amount of debt clearly exceeds the debtor's ability to repay.

2. On the premise that the debtor is willing to repay, he should take the initiative to negotiate and communicate with the bank before overdue.

3. There are reasonable reasons, such as failure to repay the loan as scheduled due to external factors, unemployment, illness, etc.

2. What are the solutions to the inability to repay credit cards?

1. Borrow money from relatives and friends to temporarily make up for the loophole.

If you only encounter a temporary situation, you will soon have enough funds to seek help from relatives and friends.

2. Apply for deferment of repayment.

When unexpected situations occur, such as illness, hospitalization, unemployment, etc., you can contact the bank customer service. Just tell customer service your true situation and then apply for a deferral of repayment.

3. Apply for suspension of interest payments and installment repayment.

When the situation is serious and repayment is relatively more difficult, you can contact the bank customer service. Provide relevant materials to apply for suspension of interest payments and repayment in installments.

4. Apply to the bank for credit card debt relief.

Negotiate with the bank to reduce credit card debt. If negotiation fails, you can use judicial authorities to reduce credit card debt.

3. What are the basis for sentencing by the court for suspected malicious overdraft of credit cards?

(1) Cause of the case;

(2) Whether the defendant’s close relatives assisted in the arrest The defendant;

(3) The defendant’s usual behavior and whether he has an attitude of repentance;

(4) Return of stolen goods, compensation and compensation;

(5 ) Other circumstances affecting sentencing.

4. What are the court debate procedures after the trial for suspected malicious overdraft of credit cards?

(1) Speech by the prosecutor;

(2) Victim and his litigation attorney Speech;

(3) The defendant defends himself;

(4) The defender defends;

(5) The prosecution and defense debate.

5. What litigation rights does the suspect have after the trial of a suspected malicious credit card overdraft?

(1) You can apply for members of the collegial panel, judge assistants, clerks, prosecutors, appraisers and translators Recusal;

(2) The defendant can present evidence, apply to notify new witnesses to appear in court, obtain new evidence, and apply for re-identification or inspection;

(3) The defendant can Self-defense;

(4) The defendant may make a final statement after the court debate ends.

The operation process of applying for suspension of account suspension is very simple. However, if there is no special reason, the request for suspension of suspension of accounts may not be approved. In most cases, the card issuing bank can only appropriately extend the repayment to the party involved. time. Even if the card issuer agrees to suspend interest rates, the debtor still has to find a way to repay the credit card debt.