Find a lawyer to negotiate how to charge for the suspension of payment. 1. 1 yuan is probably needed. Whether it is negotiated repayment or suspension of payment, it is basically a civil dispute. Lawyers' fees generally consist of consulting fees and handling fees. Consulting fees are generally calculated on an hourly basis, ranging from tens of yuan to hundreds of yuan. The handling fee is calculated according to the overdue amount of the borrower, which is generally about 5%-1% of the amount involved. 2. Stop-and-hang-account means that when the person whose credit card is overdue is temporarily unable to repay, the issuing bank will reach an agreement with the cardholder again and repay by installments. Annual fee, interest and liquidated damages will no longer be generated in the installment process, but the original interest and liquidated damages will not be reduced, and will still be repaid together with the principal owed. The advantage of stopping interest payment is to stop interest, stop collection, avoid being sued, and reduce the repayment pressure of debtors. The disadvantage is that your credit information will be overdue, and this credit card can't be used after it is paid off.

what should I do if I encounter problems such as unpaid credit card debt, overdue, excessive interest, and collection?

xiaobian reminds you that the problem in the process of using the credit card is due to its overdraft function. So, how should we deal with it? As the old saying goes, attitude is everything. Cardholders need to show their willingness to actively repay and negotiate a repayment plan. Let's not just talk empty words, we must actually take action and pay back as much as we have. Of course, there are specialties in the industry. Cardholders who want to know more about the situation can contact a professional creditor's rights protection team for consultation.