Legal subjectivity:

After the credit card becomes overdue, if the customer wants to apply for suspension of interest payment, he can directly call the service hotline of the card-issuing bank and submit an application to the customer service staff. However, the bank will not agree directly and requires the customer to negotiate. Regarding the issue of how to handle overdue interest suspension on credit cards, the editor of the website will answer it in detail for you below. 1. How to apply for overdue credit card suspension and suspension of accounts. After a credit card becomes overdue, if the customer wants to apply for suspension of interest and suspension of accounts, he or she can directly call the service hotline of the card-issuing bank and submit an application to the customer service staff. However, the bank will not agree directly and requires the customer to negotiate. During the negotiation process, be careful to clearly explain to the bank that you are temporarily unable to repay the loan, indicating that you did not intentionally fail to pay the overdue debt, and it is best to provide Provide certain information to support it, and then express your willingness to actively repay, so that the bank will consider it as appropriate. In addition to applying for a suspension of interest rates, customers can also try to apply for an extension of the repayment period and repay the debt in installments. If the bank finally agrees, it will not try to interest again after the debt is owed. As for the interest incurred before and the principal of the debt, the customer only needs to repay it on time and in installments according to the newly negotiated repayment plan with the bank. It is recommended that customers develop a good habit of repaying on time. If they find that they cannot repay on time, they can apply for bill installment or minimum repayment in advance before the repayment date to avoid overdue payments. 2. What consequences will you face if your credit card is overdue? 1. Overdue credit card fees. The so-called late payment fees for credit cards refer to the fees that the cardholder should pay to the card-issuing bank according to regulations when the cardholder fails to repay before the due payment date (inclusive) or the repayment amount is less than the minimum repayment amount. 2. Overdue interest. After a user uses a credit card to overdraft, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder repays overdue, all the expenses of the cardholder last month will no longer enjoy the bank's interest-free payment. treatment, and the recurring daily interest rate is as high as 0.5%, that is, the annual interest rate reaches 18. 3. Bad credit record. Overdue credit card repayment records will enter the central bank's credit reporting system to generate a bad credit record. 4. Litigation costs. If the credit card is not repaid for more than three months, the bank will ask a lawyer to issue a lawyer's letter to the user and file a lawsuit in court. The litigation costs will be borne by the cardholder. 5. Criminal liability for malicious overdraft. Overdue credit cards will happen, and many people may take some extreme measures when it comes to credit cards, such as malicious overdrafts, etc. Once you are unable to repay the debt financially, you need to contact the relevant institutions immediately and proactively to discuss installment payments and other matters. The above is the relevant content compiled by the editor. After the credit card becomes overdue, if the customer wants to apply for suspension of interest payment, he can directly call the service hotline of the card-issuing bank and submit an application to the customer service staff. However, the bank will not agree directly and requires customers to negotiate. If you have other needs, you are welcome to go online for one-on-one legal consultation. The law is objective:

Article 16 of the "Regulations on the Administration of the Credit Reporting Industry" The retention period of bad personal information by credit reporting agencies is 5 years from the date of termination of the bad behavior or event; if it exceeds 5 years, should be deleted. During the retention period of adverse information, the information subject may explain the adverse information, and the credit reporting agency shall record it. Article 17 of the "Regulations on the Administration of Credit Reporting Industry" Information subjects may inquire about their own information from credit reporting agencies. Personal information subjects have the right to obtain their credit reports for free twice a year.