First, the application method of credit card suspension.

Method 1: The main purpose of stopping repayment is to reduce the monthly repayment pressure, but only when there is no other way can you apply for stopping repayment. Basically, as long as you meet the conditions for stopping repaying loans, you can go through the bank's procedures. There is no special way. If the repayment fails to be made on the repayment date, the interest cannot be repaid in a short time according to the economic conditions of repayment. After the loan is stopped, the loan balance will no longer bear interest.

Method 2: After a long overdue period, if the repayment is really unable to repay, at this time, the repayment should take the initiative to contact the issuing bank, explain to the bank that it is not maliciously overdue, and directly apply to the bank for "stopping payment". If the bank agrees to stop payment, it will sign a personalized installment agreement with you at this time.

2. What are the consequences of suspending the use of credit cards?

1. Although stopping paying interest can help you alleviate many problems and your repayment pressure is much less, it will also have some consequences, such as banks refusing to handle credit business and not enjoying some financial services.

2. During this period, the credit card cannot be withdrawn. If you have a suspended account, the bank will think that you don't have enough repayment ability. Of course, with the increase of loan risk, it will not give you a quota easily.

3. Once the account is suspended, it will face collection once it is overdue, or it will be called Lao Lai by the bank. In more serious cases, the bank will assume that you are suspected of credit card fraud and bear legal responsibility.

Third, how to negotiate to stop paying interest?

1. In fact, there is no such thing as stopping to pay the bill. It's called signing personalized installment negotiations with banks. Call the bank customer service first to inform the negotiation intention. If necessary, ask about your repayment amount, principal, interest, liquidated damages and other expenses.

2. Then go directly to the bank counter to negotiate with the salesman, express your strong willingness to repay, and provide your own income flow when necessary, so that the bank will trust you to a greater extent, and then truthfully provide relevant evidence materials according to the requirements of the bank. During the implementation of the personalized installment plan, your credit history must be overdue, and you must wait for all the money to be settled. Of course, you should also put forward a sincere phased plan, which should not be too passive, but it should not make the bank too embarrassed, and the bad records will not be eliminated until five years later.

3. If you can't reach the plan for your own reasons, such as the bank staff's deliberate difficulties and obstruction, you can directly complain to the relevant departments.

Your headache is exactly what we are good at solving. Teach you to stop paying the account and interest in the right way, and divide it into 60 interest-free installments to avoid being sued.