2. You can also consult the staff of the relevant banks, because each bank has different work processes or materials when negotiating repayment. Anyway, as far as the market is concerned, mainstream credit card companies will have relevant departments and professionals. If you don't understand anything, you can ask in detail how to write the repayment form.
First, the way to deal with negotiations in stages
1. Go to a civil law firm to find a lawyer to negotiate for you. This method is faster, but it needs to pay a certain fee to the lawyer. I believe that everyone is unwilling to take this money. Then you can try the second one.
2. By complaining about the unreasonable behavior of the bank to the banking supervision branch of the bank with overdue credit card, request the banking supervision branch to intervene and coordinate, and point out that it is willing to resolve the dispute by negotiation in stages.
If the Banking Supervision Bureau accepts it, the bank will stop the dunning and call to negotiate the installment. So, please don't turn off your phone again to avoid dunning.
Second, the method of complaining to the banking supervision branch
1. Telephone complaints
2. Email complaints
3. The written complaint should be mailed to the banking supervision branch of the bank.
Fourth, the handling method of silver depository
The first time you complain, you will be allowed to negotiate with the bank yourself. If the negotiation is unsuccessful or the result is not satisfactory, you can make a second complaint, list the unreasonable requirements of the bank and explain how many installments you want, but the number of installments should be within a reasonable range.
After the intervention of the banking regulatory bureau, it usually takes several days, and the second complaint takes about one month.
Five, the banking supervision branch of each bank.
1. Shenzhen Yin Bao J Administration: CITIC, Ping An and other banks.
2. Shanghai Yin Bao J Administration: Shanghai Pudong Development Bank, Bank of Communications, China Merchants Bank, Industrial Bank, Shanghai Bank, Bank of East Asia and Citibank.
Six, the bank's staging method
China Merchants Bank, Shanghai Pudong Development Bank, Bank of Communications, Xingye, China Everbright and Guangfa are all free installments. If the overdue time is longer, or the cardholder who requires a shorter installment time, a part can also be appropriately reduced.
CITIC and Huaxia don't want liquidated damages. After signing the contract successfully, they will pay 10% of the total amount owed for the first time, and the rest will be paid in installments for free.
People's livelihood only needs to pay back the principal, and pay back the arrears of 10% for the first time, and charge a handling fee of three thousandths for each subsequent period.
Seven. Matters needing attention in self-negotiation
1. Be sure to talk to the people in the bank credit card center, not the people who outsource the debt collection company from a third party.
2. If the credit card is overdue for less than two months, this is not the best time for negotiation, because the bank has not paid too much attention to the cardholder. When the collection is 1-2 months, which is about 2-6 months overdue, it can be negotiated.
3. Talk more about difficulties, express a strong willingness to repay, and clearly state your repayment ideas.