As a person who has been involved in the bank collection industry for many years, Xiao Zeng is here to answer!

First of all, judging from your situation, you are overdue for more than two years, so from the perspective of my previous collector, it is definitely in the state of outsourcing collection. I don’t know if the principal involved in your case currently exceeds 50,000 yuan, and I don’t know if you have been subject to a civil lawsuit, but no matter what the situation is, if you are overdue for more than 2 years, you can go to the outsourced collection agency to be responsible for your overdue payment. Contact the company. They generally have the right to negotiate with customers. Among banks nationwide, whether they are commercial banks or state-owned banks, most banks will consider your actual situation. During the collection process, some outsourcing companies There must be some violation of regulations or improper language. If you have evidence, then this is a powerful negotiation condition for negotiating with the bank debt collector to repay the principal. From the perspective of the bank debt collection work I am engaged in, most of them are no problem. Communication skills need to be professional.

The second method is to go directly to the credit card center of the bank where you place the card and negotiate in person. This is the most effective and fastest method. You still have to have your own negotiation skills.

The third method is to pay back a little money on time every month. This is the premise. Call the bank customer service every once in a while and ask for installments and repay the principal. This effect can also be achieved, but it only applies to large amounts.

As a professional in the industry, I will express my approach. The credit card is overdue for 2 years. From a personal credit point of view, this friend's credit record has already been stained. Credit records have two classification methods for overdue credit records. One is overdue credit of less than 90 days. This kind of overdue can be regarded as general overdue. The other type is overdue for more than 90 days, so this kind of overdue is a very serious overdue. This situation is even more serious when the overdue period is as long as two years.

General banks’ handling of overdue credit cards is divided into two situations based on the amount. If the amount of arrears is relatively large, the bank will definitely adopt collection methods to resolve the issue, and it does not rule out enforcing enforcement through legal proceedings. The borrower may even bear corresponding criminal liability. However, if the amount owed is not large, the bank believes that the collection costs are greater than the actual amount owed. Then the bank will not collect the debt and can treat the debt as a "bad debt". Every bank has a bad debt rate every year, and this is allowed to exist. For debtors, in principle, there is no need to repay. But the credit report of the debtor will definitely enter the dark room of credit report.

In addition, if the credit card is overdue for two years, the debtor will already have the ability to repay. The bank definitely welcomes you to contact it to solve the corresponding repayment issues. After all, the bank may hope that there will be fewer and fewer bad debts. After the bad debt record is eliminated, the debtor's credit record will return to normal after 5 years.

But we also need to pay attention to methods when negotiating with banks. After all, the credit card is overdue for 2 years, and the interest and late fees incurred must be a large number. In fact, the debtor can negotiate with the bank to repay only the principal. This can also minimize the losses of the debtor itself and solve the bank's bad debts at the same time, achieving a win-win situation.

Of course, discussions also need to pay attention to certain methods. At the same time, you should also study more about the legal regulations related to credit cards. After all, the debt comes first, and the bank also has the right to recover interest and late fees on the funds.

Let me share with you an example below, hoping to help you understand it further:

There are several points that need to be paid attention to during the repayment negotiation process: the attitude must be sincere, and the second is persistence. Make several phone calls or go directly to the bank branch to negotiate with the staff in person, because the bank’s ultimate goal is to recover the money. In addition, there may be a high interest rate during the negotiation process, which is also negotiable. I had a customer before who owed money I borrowed 8,000 from China Merchants Bank. In two years, the cumulative repayments were close to 50,000, and I finally negotiated to repay 13,000;

One final reminder: No matter whether it is a loan or a credit card, if you encounter an overdue payment, you must remember to contact the bank Call to communicate and negotiate, and pay back more or less every month. Show the bank that your attitude is good. Never change your phone number or refuse to answer, otherwise a blacklist in your credit report will affect all aspects of your life. .

At this point, cardholders don’t have to worry too much and can use their time to find the right opportunity to resolve this problem. Don't listen to the advice given by some so-called respondents (who claim to know about bank collection), otherwise many of the suggestions will lead to very bad consequences if followed. Mr. De understands the bank's mentality and internal processes best and had formulated relevant regulations.

The credit card debts have been overdue for more than two years, and the cards must no longer be used. At the same time, within the bank's credit card center, there must be bad debts now. The processing of this business will not be handled by an outsourced collection company that cooperates with the bank, so do not listen to the so-called outsourcing negotiation with the bank, because you will lose a lot of money. And generally speaking, no one will collect money from cardholders in the current state. So instead, we entered a very strange state. The credit card can no longer be used. Every month, we still receive bills that keep increasing the repayment amount, but no one comes to collect it. It's quiet. Doesn't this make cardholders feel very panic? ?

In fact, it’s not surprising at all. Mr. De will tell you about it. In the "Interim Measures for the Risk Classification of Financial Assets of Commercial Banks" promulgated by the China Banking and Insurance Regulatory Commission in 2019, it has been mentioned that credit card debts that are more than 360 days old are classified as loss assets. Then, after being classified as a loss asset, the bank's internal bad debt provision is 100%, which means that the bank has used its own profits to offset this debt. In this case, the bank has nothing to do with it. Anyway, the credit record of the cardholder is clearly recorded on it. The cardholder will not be able to obtain new credit services unless the debt is eliminated. If it can be recovered, the bank will increase its profits. If it cannot be recovered, the bank will not bear new losses in the future.

Generally speaking, in this case, if the cardholder contacts the bank, or the bank takes the initiative to contact other people, they want to negotiate a solution. So at this time, as long as the cardholder maintains a sincere attitude of looking for solutions, it is very likely that the principal installment can be negotiated. Of course, the premise is that you have to study professionally and know how to negotiate with banks.

In fact, banks have collection tasks every year, which means that part of the historical bad debts or non-performing assets can be recovered. Then the method of collection is either to collect the goods through court litigation, or to sign for the goods through agreement between the two parties. If you can sign for it with an agreement, then naturally the cost will be the lowest and the effect will be the best. Therefore, cardholders can seize this opportunity and negotiate a suitable plan with the bank. Remember, after the money is paid off, you must cancel the card and eliminate all bad debts.

Personal collection experience: Negotiation is useless.

1. The bank’s collection methods for credit cards are different from traditional loans.

The credit cards of each bank are distributed through batch marketing, which is similar to the credit factory process. Just set an admission standard and score and evaluate the amount based on the different conditions of the applicants.

Similarly, due to the large number of credit card customers, after the credit card customer is overdue and the collection staff fails to collect the debt, the bank will not negotiate with the customer like it does with the loan customer. If you are under too much pressure, you can reduce the interest and just pay back the principal directly.

After credit card customers overdue and cause bad debts, banks will process them in batches, and some banks simply hand them over to third-party collection agencies for packaged asset sales.

2. The overdue amount of credit card customers is small and the cost of default is high. The bank bets that you dare not not pay back, even if you don't pay now, you will pay back later.

Most of the overdue amounts of credit card customers are less than 50,000 yuan. Although the amount is small, the impact on personal credit records is really not small.

Some customers are unable to repay their credit cards in the short term due to cash flow problems and are overdue. On the one hand, they have bad credit records, and on the other hand, they will incur high penalty rates.

Why don’t banks negotiate for interest exemptions?

Customers who use credit cards are generally younger. These customer groups will inevitably be affected by bad credit reports due to various things in the future. For example, I am a customer with an overdue credit card in 1988. I I'm not afraid that he won't pay it back, and I won't agree to any negotiation or mediation.

Because he hasn’t bought a house yet, he hasn’t gotten married yet, and the amount he owes is only more than 10,000. Although he has no ability to repay for the time being, he won’t buy a house in the future? Can the bank approve you if you have a bad loan record in your credit report?

Sure enough, after more than a year of delay, the client came to me to repay the loan, including several thousand yuan in penalty interest. Because he has talked about a partner and plans to buy a house before getting married in the next two years. This is a game.

3. Due to the high returns generated by credit card business, banks can afford a higher default rate.

Like China Merchants Bank, the revenue generated from the credit card business accounts for about 45% of the company's overall revenue. Precisely because of the support of such high profits, banks are not in a hurry to urge you to repay some overdue customers. To put it bluntly, they can "live with it".

The bank's attitude is: If you don't pay back, it's your fault if your credit report is bad, unless you don't deal with the bank in your life.

Furthermore, I have the support of high profits. I have already earned your overdue money from other people’s credit cards. I don’t care if you don’t know how to do it. You are the one who suffers the consequences of the crime!

Generally, if your credit card is overdue for more than two years, you have definitely been blacklisted. The credit report is definitely not very good either. It doesn't matter whether you pay off the principal first or the interest first. It is impossible for the bank to tell you whether to pay interest first or principal first. Because the principal and interest are sometimes repaid together. If you borrow more money. The bank will usually call you three times to notify you. If you fail to pay three times, you will be prosecuted in court depending on the situation. Don't worry, banks generally won't. Go directly to court to sue. As long as you tell the bank, I will repay you as usual in the future. OK, generally he is not willing to put you in court, because then he won't get a penny. Chinese law currently does not support personal bankruptcy protection. Therefore, banks are not willing to take you directly to court. Of course, the money still has to be paid back. No matter how long it takes now, as long as you pay people back as usual every month, it won't be a problem.

If the credit card is overdue for more than 2 years, the interest will definitely be a lot, so if you don’t pay the full amount, you can only negotiate with the bank to solve the problem.

Although you can negotiate with the bank to repay only the principal, you need to be prepared for two things, and don’t have too much hope. After all, the regulations of each bank are different, but you can follow the following Here are a few points to try:

1. If the amount owed is not large and the interest generated is not much, there is no need to negotiate, and the bank will not agree to it, so it is useless. It’s better not to do it;

2. If the amount of debt is not large, but it is overdue for a long time and accrues a lot of interest, this situation must be negotiated, and you must pay off the debt to eliminate it. For example, if you have a bad credit record, the amount you owe is only about 2,000, but it is overdue for 2 years and you have to pay back more than 10,000 with interest. This is not a small amount.

3. During the negotiation, you should take the initiative to call the bank and talk to the bank in an emotional and reasonable manner. Of course, don’t forget to record the money. Tell the bank on the phone that you want to repay the loan, and then transfer your arrears to the bank. Clearly state the principal and interest accrued, and at the same time indicate your difficult situation. You only have money to repay the principal and no money to repay the interest.

Therefore, avoiding the overdue credit card is not a solution. Only by facing it can all problems be solved. As long as you negotiate with the bank, the interest rate will be lower.

I hope it can help everyone, and I also hope that everyone can go ashore as soon as possible and get rid of this debt-ridden life.

The credit card is overdue for more than 2 years, which is quite long. It should have been reflected in the credit report for 3 and 6 years in a row, so it can be classified as a black account.

But there are several situations that you did not explain clearly:

1. How did you cause it to be overdue? Did he forget to pay it back, was he maliciously defaulting on it, or was it caused by reasons other than his own?

2. What is the size of the overdue amount?

3. Is the bank still collecting money from you, or has it been transferred to a third-party agency to collect money from you?

Let’s assume a more serious situation. I have no money, owe the credit card for 2 years, the card can no longer be used, the limit is relatively large, the bank has not collected the debt, the payment has been frozen, and transferred to a third party Institution.

In this case, you first need to calm down and think about how to communicate with the bank. Banks are like friends. If you borrow money from a friend and don’t repay it, they will disappear, the phone number will be blocked, and the face will not be available. If you don’t see me, how can your friend forgive you?

Therefore, if you want to repay the money now that you have money, you must sincerely tell the bank that the reason why I cannot repay the money is not malicious default, but because of objective reasons, such as an earthquake. If you are detained, have major family difficulties, etc. (Think for yourself), get the bank’s understanding and strive for maximum reduction or exemption. If you are sincere, handle it properly, and have sufficient reasons, you can not repay the interest, and even the principal can be paid in installments. Still.

The most important point is that it doesn’t matter if you cancel the card account, but you must eliminate the overdue credit records. This is related to your current and future life. Good luck!

Hello, I am very happy to answer your question. If your credit card is overdue, you first need to negotiate with the customer service of the bank's credit card department to work out a repayment method. You can watch my video for specific instructions on how to do it! Hope this helps!

First of all, let’s see how much overdue amount you have. If you take the initiative to pay it back if you don't have much, after all, the bank's money also belongs to the state. If you still can't get in for a while, you need to call the bank to negotiate! Apply for preferential policies. Be sure to keep in touch with the bank when large amounts are involved! Maintain necessary communication even if you are not yet up to date. Hope it helps!

First communicate with your card issuer and explain the situation. If the amount is not large, you can discuss it with your family and repay it first, or you can borrow money from a friend to repay it. If the amount is too large, just contact them. The bank negotiates the repayment first, and gives the bank an attitude that either you don't want to pay back if you have the money, or you don't have the money to pay back.

Only repay the principal to the bank. You can negotiate with the bank first, but don’t have too high hopes. Each bank’s contract content is different. The bank is a national institution, not a private loan. If everyone uses a credit card If the money is overdue for a few years, and after a few years, you negotiate with the bank to pay back only the principal without interest, then many people will seize this loophole and create a vicious cycle.

Credit cards are linked to your credit report. Problems with your credit report will bring a lot of inconvenience to your life and affect your future loans to buy a house and a car. If the bank sues you, it will also restrict your high consumption. .

It is recommended that you click in every month and strive to pay off your debt as soon as possible and become debt-free.