Credit card overdue negotiation repayment skills, interest-free installment negotiation three steps:
First of all, prepare your materials, proof of your debt and income, and give them to the bank, usually a credit report.
And the income certificate issued by the company or unit. Prove that you have a stable repayment ability.
Second, what kind of repayment plan do you give the bank? For example, if you want to divide it into 12 periods, 24 periods, 30 periods, 48 periods and 60 periods at the longest, how much is each period? Be sure to be specific to detailed figures. This plan must be reasonable, acceptable to you and acceptable to the bank. If you owe 40,000 yuan, 20 interest-free repayments of 2,000 yuan are reasonable.
Third, the bank or the collection company has violated the rules, so you can be a favorable basis for negotiations. You got it? You can ask the teacher if you don't understand. If you carry it out seriously, you will get an ideal plan. Finally, we must make good money. If the law permits, you should try your best to make money. The premise of all repayment is that you have the ability to repay. Otherwise, everything will be in vain.
That's true. The bank is afraid that you will not pay back the principal, so you must tell the bank to pay back the money, but now there is no money, so you can't afford it. If the interest keeps rising, there is really no way to pay it back. Let the bank exempt you from interest. You can determine how long it will take to pay back the money, and let the bank operate the rest. If the bank says no, then wait for him to come to you, and so on. Some people around you have done this, and they have indeed avoided some of it. Some small platforms simply ignore it and then stop rushing.
After the credit card is overdue, you can negotiate the installment repayment, and you can negotiate it yourself, without looking for a so-called institution to help you. You can call the bank yourself to negotiate. Let me tell you a personal experience.
At present, I have five credit cards (Communications Credit Card, China Merchants Credit Card, Pudong Development Credit Card, CITIC Credit Card and Guangfa Credit Card), and now all the other four are overdue except CITIC. Almost all of these overdue cards were consulted by telephone for repayment negotiation, and almost all of them were rejected. Without this service, the traffic was the worst, and the first one broke my address book.
Before, many people on the Internet said that Guangfa Credit Card was difficult to be divided into stages, but my situation was just the opposite. When I first called Guangfa, they agreed to my application. Later, they communicated for almost a week, and the negotiation was successful. I don't need much information to prepare. I just provided an income certificate and a debt statement, and I don't even need the poverty certificate mentioned by many netizens before. But now I regret saying yes too quickly. I should ask Guangfa to give me as much interest relief as possible.
Many so-called institutions say they will help you negotiate, but in fact they still have to communicate with the bank themselves. They just came up with an idea to let you record the whole process, and then let you say what you want to say and help you provide so-called information. In fact, many of them are false certificates made by themselves, and they can all be done by themselves. There is no need for people to cut another round of leeks. Call the bank to explain your situation and your repayment intention. Many banks will not agree to your request at first, but they will always let go after calling a few more times. If you really can't, let the card expire first and pay 100 yuan a month. After two or three months, and then contact the bank to negotiate, you will find that many people will immediately agree to your request, because the bank is not trying to return the money as soon as possible.
There is another situation like mine. Why did I only talk about one credit card and nothing else? That's because my salary is not paid on time at present. If several cards are negotiated together, the monthly bill will be very high, and my salary will not be paid at all, so I only negotiated the card of Guangfa and ignored the others. After all, if it is unable to repay after successful negotiation, the consequences of overdue again will be more serious. So if you have a fixed salary, you can negotiate. If you can't, don't negotiate. Well, these are some personal experiences, I hope I can help you.