1. Is it useful to negotiate repayment with 12378 credit card?

The telephone number 12378 is the telephone number of China Banking Regulatory Commission, which can help cardholders to apply for installment negotiation with banks.

Generally speaking, after the credit card is overdue, as long as the cardholder has the repayment ability, he will hope to reach an agreement with the bank to negotiate repayment by installments, because after reaching an agreement, he can reduce his own liquidated damages and interest, and the repayment pressure can also be alleviated.

But negotiations are not easy, and many banks will refuse. At this time, you can call the CBRC for help.

The CBRC is equivalent to a supervision department that supervises banks. Can help coordinate financial disputes, so that cardholders and banks can reach a consensus and resolve conflicts. However, the CBRC is not omnipotent and cannot help cardholders achieve their goals 100%. So calling 12378 may not completely solve the problem, but the staff of the CBRC will help coordinate. Generally speaking, banks will be willing to negotiate installment after coordination.

2. What is the process of overdue negotiation and repayment of credit cards?

1. Cardholders need to apply. When they find that their credit cards are overdue, they should immediately contact the bank to apply for negotiated repayment.

2. Prepare the corresponding materials. If the negotiation is successful, it is very important to obtain relevant certificates, such as poverty certificate or unemployment certificate.

3. Wait for the relevant departments of the bank to handle it. Generally speaking, after seeing the application, the staff will contact the cardholder to discuss the specific plan.

4. Just make corresponding repayment according to the result of negotiation.

3. What are the negotiation skills for overdue repayment of credit cards?

1. After the credit card is overdue, you should take the initiative to call the customer service of the bank to communicate with the staff to prove that you are unable to repay the loan at present, which leads to overdue, and you can provide some proof of financial difficulties.

When dealing with the bank, we must pay attention to our attitude and try our best to be sincere, so that the staff will be more sympathetic to us.

In the negotiation process, we don't need to expect too much, because the bank can't exempt all interest, so we shouldn't be too greedy. As long as the bank is willing, it is a good choice for us not to raise interest rates in the future.

We can make partial repayment first and then negotiate, so that the bank can feel our sincerity.

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication cases and make detailed and targeted answers for you, so as to avoid incorrect answers due to incomplete information and poor communication. I wish the rights protection success.