Measures for the supervision and administration of credit card business of commercial banks
According to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks issued by China Banking Regulatory Commission, under special circumstances, if it is confirmed that the credit card debt exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement.
Therefore, if the repayment cannot be made on time due to special circumstances, you can negotiate with the bank for personalized installment repayment; For ordinary individual applications, the average bank stops at most, but the probability of reduction is low; However, due to special reasons (such as natural disasters causing cardholders to suffer heavy losses or accidents causing cardholders to lose their labor force). ), banks will reduce interest and late fees. Why are banks willing to negotiate? Because if you have the willingness to repay, but you really don't have the ability to repay for the time being, and you forcibly sue the court, the bank still can't recover the arrears, and the court's initial disposal measures are also coordinated. Therefore, banks are reluctant to resort to the law when negotiations can be resolved.
Therefore, if you have no income due to physical objective factors and want to stop paying the principal, you can negotiate. However, before going to the bank, it is best to print the disease diagnosis certificate of the local hospital as an auxiliary material for applying for relief. There is evidence to be convincing.
abstract
Banks reduce interest and late fees every year. For special circumstances, it is generally easy to approve. For those without special circumstances, it is easier to repay by agreement, but it is relatively difficult to meet the interest and late payment fees. However, if you go to the bank several times, it is still possible. Therefore, it is not terrible that credit cards are overdue now. What is terrible is people who are unwilling to cooperate or even refuse to respond to the bank's call.
If you feel that you will be overdue, you should take the initiative to call the bank to find the best solution. In addition, you can also pay the minimum amount, you can also pay the minimum amount, you can also pay less, and you can also pay 1 month 100 yuan. As long as you keep paying it back, it will be easy. Don't run away, or even try to run away. In that case, you will definitely suffer in the end.