1. Take the initiative to contact the bank to discuss repayment: If the credit card debt is not repaid, the bank will not take the initiative to negotiate with the user. It will only remind the repayment through text messages or phone calls, so the user must proactively negotiate ;

2. Be sincere: When negotiating repayment, be sincere and explain your personal financial situation to the bank, saying that you cannot repay the loan in full on time, but you have work income and you will work hard to raise money. Repay the loan to see if you can negotiate a repayment plan acceptable to both parties;

3. Keep relevant evidence at all times: Whether you are negotiating repayment with the bank or being violently collected, you must keep relevant evidence , and then provide feedback to the bank, so that the success rate of negotiation will be higher, but the premise is that the user must always maintain a civilized and friendly attitude.

The above is the relevant content on how to negotiate repayment with a credit card. How to restore your credit report if your credit card is overdue

1. Pay off the debt: When you find that your credit card is overdue, the first thing to do is to pay off the debt to avoid being overdue for too long;

2. Pay attention to credit: It is a fact that overdue credit cards will affect personal credit. Since credit is affected, you need to continuously improve your credit. You can use more credit cards for daily consumption and be on time every month. Repayment, through long-term accumulation, credit will continue to improve, thereby weakening the bad credit that occurred previously;

3. Cannot cancel the card: For overdue credit cards, many people think that canceling the card will be fine. In fact, No, the user's credit card is overdue, and banks generally do not allow card cancellation. Even if the debt is paid off and the card is canceled, the bad credit report that existed before will still exist, and if there is no data rollover on the credit report, it will be covered. If there are no overdue records, it usually takes 5 years to eliminate the bad credit records. That is to say, within 5 years, the credit report will be affected by the bad credit records. Will an overdue credit card cause the bank card to become unusable?

Generally, an overdue credit card will not cause the bank card to become unusable, because credit cards and bank cards are two different products and are relatively independent. Strong, the impact on each other is not particularly large, so the credit card cannot be used after the credit card expires, but the cardholder's bank card can be used normally, and the outstanding balance can be paid off as soon as possible.

However, there is another situation where the credit card is overdue for a long time, and the cardholder has a bad attitude and deliberately fails to repay, or the bank cannot contact the cardholder. Deduct money from your bank card to pay off the debt. Or if the cardholder is sued by the bank and fails to repay the money after the court's judgment, the assets in the cardholder's name, including bank cards, will be frozen, and money will be directly deducted from the bank card of any bank under his name to repay the credit card. This article mainly writes about the relevant knowledge points on how to negotiate credit card repayment. The content is for reference only.