1. What should I do if my credit card cannot be repaid?

1. Negotiate with the bank to apply for deferred repayment: after the credit card cannot be repaid, as long as we take the initiative to negotiate with the bank, the bank will design a repayment method acceptable to both parties, and as long as the cardholder is willing to repay, the negotiation can basically succeed.

2. Pay close attention to making money: After successful repayment negotiation, it is not enough for the cardholder to pay back the money, but also to make money, reduce unnecessary expenses and pay back the money. Never choose the way to use the card. This way of robbing Peter to pay Paul can easily put yourself in a more dangerous situation.

2. How to negotiate with the bank before credit card payment?

1. Take the initiative to call the bank: the cardholder can take the initiative to call the bank to show his financial difficulties, and then ask the bank about the amount owed, interest, liquidated damages and the number of installments.

2. Provide supporting materials: After the bank agrees to negotiate, the cardholder will provide timely proof of his temporary inability to repay the loan, such as serious illness, unemployment and bankruptcy.

3. Sign a new repayment agreement: After successful negotiation with the bank, sign a new repayment agreement, mostly by telephone recording and paper signing, and then start repayment by installments. Note that once a new repayment agreement is signed, the cardholder shall not be overdue again in the repayment process.

3. What should I do if I am sued for credit card arrears?

1. See if you have repayment ability: If the cardholder is sued by the bank for not repaying his credit card, it depends on whether he has enough funds to repay, and then make a new repayment plan according to the specific situation.

2. Pay off the debt as soon as possible: If the cardholder has enough repayment ability, he should repay as soon as possible. Bank prosecution is also to let the parties repay as soon as possible. As long as the arrears are paid off, there is basically no big problem.

3. Negotiate with the bank: If the cardholder does not have enough repayment ability, then negotiate with the bank as soon as possible. As long as the cardholder shows a positive willingness to repay, the bank will generally accommodate the repayment for a period of time, or may withdraw the lawsuit.

The above is an introduction about how credit cards negotiate with banks. In the process of using the credit card, once there is no repayment, we will repay it in full as soon as the economy allows. If the cardholder is unable to repay, he can choose to negotiate with the bank to make a new repayment plan. Once he signs a new repayment plan, he will repay it on time every month.

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.