1. What's the phone number for credit card overdue negotiation?

After the overdue period, you must take the initiative to contact the bank customer service as soon as possible to explain the reasons for the overdue period and your current actual economic situation. Late negotiation calls can be based on the phone number behind the credit card. If you remember the contact number of your credit card bank branch, it is most accurate to call the bank directly.

If you negotiate with the bank, but the bank doesn't agree. In this case, the cardholder can try to call the official telephone number of the banking regulatory bureau 12378, and can apply for the intervention of the local banking regulatory bureau to help the cardholder negotiate with the bank.

2. Who should I consult after the credit card is overdue?

When the credit card is overdue, the cardholder should immediately go to the local branch of the issuing bank, directly find the person in charge of the credit card, explain the overdue situation with the credit card slip, and briefly explain the reasons for the overdue, and the person in charge will feedback the situation to the superior.

After about 3~5 working days, the bank will inform the cardholder whether the application for overdue negotiation has been passed. If it is not passed, the cardholder can present more powerful materials to the bank to prove that his expectations are indeed caused by some force majeure factors, and increase the intensity of successful application.

3. What is the process of negotiating repayment after the credit card is overdue?

1. Take the initiative to find the bank and explain why you are overdue. It should be noted that we must emphasize with the bank that we are not malicious, but are caused by some irresistible factors, so that the bank can understand.

2. Inform the bank of its actual economic situation and list the feasible repayment plan to the bank.

3. Produce material proof of overdue reasons, including but not limited to economic difficulties caused by sudden illness and economic turnover difficulties caused by bankruptcy of the company due to epidemic situation.

4. After reaching an agreed repayment agreement with the bank, the cardholder can repay on time according to the repayment plan given by himself.

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