Extended data
Credit card application suspension installment repayment process.
Four steps to stop paying interest and negotiate repayment:
Step 1: Call the bank customer service to find out how much you need to repay, specifically how much principal and interest you want to repay. If there is installment payment, there will be interest. How to calculate this interest must be negotiated with the bank. As a customer, I have the right to know these contents. After calculating the principal and interest, the customer service will help you register according to your repayment ability and the bank's negotiation on how much principal will be repaid in each period.
Step 2: Wait for the bank's call back, which can be long or short. For example, Pufa, the traffic may be transferred to you on the spot. However, it is usually not necessary to negotiate for more than three accounting days. If it takes more than three months, it will be more difficult to negotiate. If the bank calls back, explain your actual situation. If it is because of illness, imprisonment, bankruptcy, poverty and other reasons, it can save time. Remind everyone not to take the call back from the bank seriously. If the information is not submitted on time, the bank will default to negotiation failure.
Step 3: Call back for the second time, that is, tell you whether it is successful or not. Generally speaking, it is successful. We have determined three points: how much to pay by installments, how much to pay, and how much to reduce or exempt interest. The bank may also take the initiative to ask you how many issues you want and how much it costs. It must be recorded here, mainly for fear that the bank will go back on its word. We should leave a piece of evidence.
Step 4: There are three forms of bank signing scheme: recording, electronic agreement and paper agreement. Generally, commercial banks are in the form of records, which should be recorded to the settlement date of your arrears. This is what the bank wants to keep. Ping An Bank uses electronic protocols. The electronic agreement will be sent to you for signature after the negotiation of Ping An, or you may be asked to sign it after the completion of the first stage. The general paper agreement is China Workers and Peasants Zhongjian Post, and China Bank must sign it offline. The agreement between ABC and CCB is flexible, both online and offline. Here, I sincerely advise friends with overdue credit cards to seriously consider the current situation and future development. If you can't pay off the overdue bills in a short time and don't want to face a lot of collection, you can accept the consequences of negotiating repayment. I suggest you contact your credit card issuer to apply for repayment negotiation, so as to avoid some adverse consequences caused by long-term overdue. Of course, if you need help, you can always contact us.
Answer reference Zhihu Author: When I wake up.