First of all, two very important situations should be made clear before personalized staging.

first of all, if the negotiation is successful, be sure that you have the ability to repay each installment. If you handle it successfully, and you don't pay back the money because of some circumstances, then you will break your promise twice. If you break your promise twice, the consequences will be very serious.

second, if you make this deferred repayment, the credit report will always show the word overdue, and it will be kept for at least five years, and the longest is ten years. Because you have made a 6-period installment (6 is five years), your credit report will show overdue within five years of your repayment. After you pay back the money, this overdue will accompany you for five years, which will affect you.

Many friends are thinking: "If the credit card is not overdue, can I stop this?" It's not that you can't handle it, but it will be very difficult to handle it, and once it is successfully handled, the card will be frozen, and you can only pay back the money inside, but you can't swipe your card outside. Only this credit card has lost the meaning of this turnover since then. Then if you say that you are ready for this psychological preparation, you can apply for this cessation in advance.

before going through the cessation and loss, you should first make your own plans. What is a plan is equivalent to a contract. Everyone knows how to do business. Since it's business, we need to talk to each other about something. At this time, we have to come up with our own plan, and the other party has to come up with a plan, right? Then this plan is your plan of how to pay back the money next. You must take it out in advance.

Many friends made a fatal mistake. Before you negotiated the staging, you didn't stage it at all. You don't have this thing in your mind and you don't have this plan.

what about 9% of friends? Call the bank directly and tell them that I have no money to pay back. I'm going to stop paying now, and I'm going to do personalized installment. The bank will definitely answer 1% that you don't have this business or can't do it. Then why is this answer? It's because you didn't come up with this plan at all, right? You didn't go to someone else with a plan, just said a word lightly.

when we make this call, please tell him clearly that I can't repay the loan on time for some reason and need to handle the interest-free repayment business. What I need is 6 interest-free installments to ensure that I can pay back so much money every month. If I can't afford it, then I am willing to bear all legal responsibilities.

then, if there is a breach of contract, this scheme can be invalidated, and then I will take all the responsibilities, and I will be responsible for the credit investigation.

what about these things? The clearer we talk, the better. Your goal is to negotiate 6 interest-free repayment. Then, you have to give some benefits beyond this goal to the bank. Don't take them all away.

Ps: it's not easy to stop and settle accounts. Since it is a negotiation, it is likely to take several or even a dozen efforts! Related questions and answers: