Credit card repayment negotiations can usually only be negotiated after the due date is overdue. After all, the bank does not know the cardholder’s true repayment ability if it is not overdue. However, this does not mean that it can definitely be negotiated if it is overdue. Look at the past due date and amount owed. Generally, if the amount is overdue for 3 months, the amount owed far exceeds the cardholder's ability to repay, and the cardholder is unable to repay it all at once in the short term, then the bank may agree to negotiate.

Negotiate early and get on board as soon as possible

If you want to negotiate successfully, the cardholder must be fully prepared. First, you must express your strong willingness to repay and put forward reasonable solutions that will make the bank unable to do so. Reasons for rejection, such as loss of source of income due to force majeure factors, including various unforeseen, inevitable natural and man-made disasters, etc., must also produce a poverty certificate stamped by the village committee and neighborhood committee, family income certificate, etc., and work out a repayment plan. loan plan and then wait for the bank’s review and evaluation.

Don’t give up if the negotiation fails at one time, and negotiate multiple times. Usually there are three opportunities for negotiation, one before the bank sues, one before the court's judgment, and one before execution. The cardholder can consider it at his discretion. If negotiation fails, he can consider filing a complaint.