1. How can I apply for the overdue suspension of credit card?
1. Call the official customer service phone of the bank to make an appointment for repayment.
(1) Under normal circumstances, when calling the official customer service phone of the bank to talk about repayment, especially when expressing that I want to apply for suspension of payment, I have a high probability of being rejected.
(2) If you are rejected for the first time, don't worry, you should call more times, and be sure that the bank will give the cardholder the opportunity to make an appointment to apply for suspension of payment.
(3) The customer service of the bank gives the right to stop the interest and hang the account on the phone, and only needs to tell the customer service to ask the other party to make an appointment for a specific outlet and conduct a repayment interview.
2. Making an appointment to negotiate repayment is half the battle
(1) For banks, there will be special appointments for VIP customers alone, but most banks are reluctant to make an appointment for repayment.
(2) Once an appointment is made, you can negotiate with the bank staff about repayment in detail.
3. During the negotiation, you should have good negotiation skills
(1) You should express your strong willingness to repay, for example, make an agreement with the bank on how long it will definitely repay.
(2) Be sure to objectively state that you have great difficulties at present and cannot repay the loan. For example, there are major family changes, and there may be an epidemic in COVID-19.
(3) In the negotiation process, try to find the legal basis
Generally, banks can stop paying interest and hang accounts, provided that the cardholder has the willingness to repay and has reasonable reasons. According to the national regulations, under special circumstances, it is possible to apply for suspension of payment if it is confirmed that the amount owed by the credit card exceeds the cardholder's repayment ability and the cardholder still has the willingness to repay.
second, do you need to sue for owing 5, credit cards?
Yes. If the credit card owes 5, yuan, and there is still no willingness to repay after overdue collection for more than 3 months, the issuing bank may bring a lawsuit to the court and request the cardholder to repay, and the court will support its appeal. However, if the credit card owes 5, yuan, the cardholder does not have to bear criminal responsibility, but it is only natural to pay back the debt.
a malicious overdraft with an amount of more than 5, yuan but less than 5, yuan shall be deemed as a "relatively large amount" before being sentenced to fixed-term imprisonment of not more than five years or criminal detention and fined not less than 2, yuan but not more than 2, yuan. In other words, credit card arrears of less than 5 thousand will no longer bear criminal responsibility, but this does not mean that banks can not sue debtors.
Therefore, if the cardholder fails to pay back the credit card for a long time, but the principal is less than 5, yuan, and he is willing to pay back after the deadline, and will deposit money into the credit card to repay it more or less every month, it will not be considered as malicious overdraft of the credit card, and he will not be investigated for criminal responsibility for credit card fraud.
You can apply online if you stop paying interest. If you owe a credit card, you don't need to sue. The issuing bank is responsible for the prosecution. Credit cards have two functions: payment and credit. Cardholders can use credit cards to spend money, buy goods and enjoy interest-free repayment. They can also apply for credit loans from card-issuing banks to ease their economic pressure. Credit cards can reduce the use of cash and simplify the collection procedures.