According to Article 70 of the Regulation on the Supervision and Administration of Credit Cards of Commercial Banks, after the credit card is overdue, a brand-new personalized repayment plan can be reached through consultation with the bank.

1. Negotiations are divided into two forms: individual negotiations and entrusted negotiations. Let's talk about personal negotiation first. The debtor called the customer service of the bank to express his strong willingness to repay, but due to limited income and huge or large amount of debt owed, he could not pay off the debt at one time. He applied for installment repayment and waited for the bank's reply carefully. Banks rarely respond immediately, especially when their careers encounter setbacks, and they can use unemployment to avoid high liquidated damages. You can repeat the above steps and try several times.

2. Entrust a professional organization/personnel to negotiate, and negotiate with the bank by stages through legal channels when there is willingness and ability to repay. Just wait for the negotiation call after the bank is fully authorized, and the staging specialist will tell you the staging plan. If satisfied, you can directly agree to repay the loan on time. If you want to fight for more staging, you can fight for it within a reasonable range.

These two methods have their own advantages. Personal negotiation is cost-free, but it has long cycle, low success rate, unsatisfactory number of stages and even high interest rate. The period of entrusted negotiation is short, the success rate is 100%, and the interest-free period is good, but the cost of entrusted negotiation is definitely high.

Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If it is terminated by a card, the corresponding record will not be scrolled, but will be saved for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years, during which time to maintain a good credit, so that the bad records can be cleared from the credit information system by rolling records, so as not to affect your future credit.

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