1. Contact the bank immediately: After receiving the overdue reminder message, the first step is to contact Guangfa Bank immediately to explain your situation and express your willingness to make installment repayment.
2. Understand the installment repayment plan: After communicating with the customer service of the bank, learn more about the installment repayment plan of Guangfa Bank. Ask about the installment period, interest rate, handling fee and other related information to ensure that the scheme meets your repayment ability and demand.
3. provide relevant information: according to the requirements of the bank, prepare personal identification, income certificate, overdue bills and other relevant information and submit them to the bank as required. These materials will help the bank to know your willingness and ability to repay.
4. Negotiate repayment plan: when negotiating with bank customer service, put forward the monthly repayment amount you can bear, and ask bank customer service to make a reasonable repayment plan by stages according to your repayment ability. At the same time, carefully read and understand the agreements and contracts provided by banks to ensure that the loan conditions and repayment obligations are clear.
5. sign the agreement and repay the loan: if the bank agrees with your application, it will sign the relevant agreement and contract. After signing, the repayment shall be made in installments according to the time and amount agreed in the agreement, so as to ensure the repayment on time and avoid the overdue situation again.
conclusion: to negotiate repayment by installments with the bank, we must first contact the bank in time and express our willingness to repay. In communication, we should understand the installment repayment plan and prepare relevant materials. Provide your own repayment ability and demand during negotiation, and work out a reasonable installment repayment plan with the bank. Finally, repay the loan on time after signing the agreement to avoid overdue again.
Extended information: Overdue repayment will affect personal credit records, which may lead to damage of credit report, thus affecting future lending and credit card use. Therefore, it is very important to negotiate with the bank in time and make a reasonable installment repayment plan in case of overdue.
The above are the steps and instructions on how to negotiate installment repayment with Guangfa Bank when the credit card is overdue. I hope it will help you!