1. The borrower can repay the "minimum repayment amount" first to show his sincerity in repayment to the bank, which makes it easier to negotiate the next repayment plan with the bank;

2. The borrower needs to explain his situation to the credit manager in detail, indicating that the individual has not intentionally owed money and promised to settle the debt; Generally speaking, users who are really unable to repay are likely to provide a certain buffer period; If it has caused higher interest, the borrower can also apply to the bank for interest reduction;

3. Other solutions: If the credit account manager refuses to negotiate, the borrower needs to repay the loan on time. Another solution is to change the date of the credit card bill, but this method is only applicable before the deadline.

The above is the relevant content of ICBC's negotiation repayment process.

What does it mean to negotiate repayment?

Agreed repayment means that the borrower can apply to the bank for a second installment repayment after the credit card is overdue, and the bank can avoid reducing or exempting part or all of the interest or liquidated damages. However, due to the development of loan business, agreed repayment is also used in loans overdue. After being in loans overdue, users can apply to the lending institution for repayment through negotiation, which is similar to the overdue negotiation of credit cards. Generally speaking, negotiated repayment is generally after the deadline, and banks or lending institutions will not agree to negotiate repayment before the deadline. This paper mainly talks about the knowledge points of ICBC's negotiation repayment process, and the content is for reference only.