1. Go directly to the issuing bank to apply to the relevant staff: after the credit card expires, the user can go directly to the issuing bank to discuss with the relevant staff, indicating that the installment needs to be stopped. In the process of negotiation, we should pay attention to the ways and means, indicating that individuals are willing to take the initiative to repay;

2. Conduct online negotiation through the customer service phone on the credit card, and propose that individuals need to stop by stages.

The above is how credit cards negotiate to stop installment.

How to operate credit card repayment

1. Branch repayment: users need to go to the counter of the issuing bank to make repayment;

2.ATM repayment: users can repay at ATM;

3. Online Banking Repayment: Users can log in to their personal online banking accounts and directly repay their credit cards;

4. Third-party platform repayment: some third-party platforms have credit card repayment function, and users can make repayment directly on the platform;

5. Mobile banking repayment: users can log in to mobile banking to repay their credit cards;

6. Telephone repayment: users can call the customer service hotline of the corresponding bank and use their personal savings card in the bank to make transfer repayment;

7. Automatic repayment: Users can directly associate personal debit cards with credit cards, and can make automatic repayment on the repayment date.

Credit card activation mode

1. Telephone activation: Call customer service to activate. When applying for credit card activation, just follow the customer service prompts to activate the credit card.

2. bank counter activation: bring my ID card and an inactive credit card to the issuing bank outlet, and the relevant bank personnel will help activate the credit card;

3. Online activation: Credit cards can also be activated online. Users only need to go to the issuing bank in official website or set the transaction password through the issuing bank's mobile phone.

Consequences of overdue credit cards

1, high penalty interest: Like ordinary online loans, banks will have high penalty interest if their credit cards are not returned;

2. Credit information system: the bank will report the overdue records of users to the personal credit information system of the central bank, leaving a bad record for users' personal credit, which has a great impact on the subsequent loan approval;

3. fancy collection: when the credit card is overdue at first, the bank will collect it by SMS or telephone. If not, the bank will send someone to collect it.

This article is mainly about how to negotiate the knowledge points of credit card stop payment and installment, and the content is for reference only.