1. How to apply for an interest-rate suspension and suspension of accounts from the bank

Dial the service number on the back of the credit card, follow the voice prompts to transfer to manual service, and apply to the customer service for an interest-rate suspension and suspension of accounts. . After the manual customer service confirms the cardholder's information, as long as it meets the conditions, it will handle the application for suspension of interest and account suspension, and then the cardholder only needs to wait for the bank's approval result.

1. Organize your own debts and contact them proactively

① First, whether it is a credit card or an online loan, sort out the debt situation in a timely manner after it is overdue, and summarize the minimum installment situation that you can accept through negotiation with the bank. Don’t avoid collection.

② Secondly, calculate your own liabilities. It is best to make a form that can be used in the subsequent negotiation process. If you don’t know how to check your debt, you can print your credit report or call credit card customer service for consultation. It’s best to record it.

③ Then take the initiative to contact the bank, inform yourself of your willingness to repay, and explain the reasons why you cannot pay off the debt at once. You want to apply for personalized installment repayment, and explain the number of installments you can afford and some Proof of materials, ask the bank to register, and then receive a return call from the bank.

2. Prove one’s repayment ability

As the saying goes, “Rescue does not help the poor.” The fundamental reason why banks agree to negotiate is that they know they can recover the arrears. Therefore, the debtor must provide corresponding work certificates, salary statements and other information to show that he has a stable job or source of income. As long as he can be given installments, he can repay the loan as scheduled every month. It's just that the current situation is special and unbearable.

But we must also pay attention: don’t talk nonsense about the reasons. If there are difficulties, there are difficulties. The favorable conditions must be put forward. Don’t mention anything that shouldn’t be mentioned. Remember, the attitude must be good.

3. Customer service negotiation process

① When receiving a call, first confirm whether the other party is a bank employee and write down the employee number. Then explain your situation. Generally, customer service will ask how much can be repaid and in how many installments. The bank must answer the phone during the process. If it requires proof, the bank will mainly inform you.

On the other hand, to prevent the bank from going back on its word, record as much as possible. If you encounter malicious collection, or if the bank disagrees, try to record as much as possible.

② If you have not received a reply, you can negotiate with the bank again. If the other party keeps going around in circles and does not agree to repay in installments, you can complain directly!

Be sure to ask the other party’s customer service staff If no one solves the problem later, you must call again and ask the previous customer service about the process.

4. Review and other results

Generally speaking, as long as the supporting materials are provided, it will basically pass. After the review is passed, the repayment agreement will be signed. Among them, ICBC, China Construction Bank, and Everbright need to bring it in person. Bring your ID card and the credit card signature collection outlet agreement.

2. What will happen if the credit card is overdue for 2 years?

1. Included in the credit report

After the credit card is overdue, the personal overdue credit will be uploaded to the credit report According to the credit system, once a bad record is generated, it will have an impact on future purchases of houses, cars, and borrowing money, and the overdue records will be retained for five years.

2. Will be collected

After the due date, the bank will collect the money, and the bank will collect the money through phone calls or text messages; if the user refuses to repay or refuses to accept the collection call, then You may be taken to court and held legally responsible.

3. Additional interest is generated

Overdue fees, overdue interest and other fees will be incurred, and these fees will be superimposed, making the longer the overdue period, the higher the additional amount will be.

A credit card that is overdue for more than one month has not yet met the conditions for being sued by the bank. During this overdue period, daily penalty interest and a high amount of liquidated damages will continue to be incurred. The liquidated damages are one lump sum. There is a sexual fee, but penalty interest is accumulated daily based on the overdue period.

Those who are overdue for more than three months will be prosecuted in court.

If you want to apply for a bank's suspension of interest payments, you can proactively contact the card-issuing bank, truthfully inform the bank of the cardholder's personal situation, indicate the reason why you are currently unable to repay the loan, and explain that you really want to repay the loan. If the loan cannot be repaid due to personal inability to repay, apply to the bank for a suspension of interest rates. Cardholders who are unable to repay their debts must actively seek solutions.