The method of writing a letter to refund credit card interest is as follows:

1. In the first paragraph, write the overdue time and reason for overdue. In the second paragraph, write about your actual situation and your thoughts on reducing overdue interest. In the third paragraph, write the above request for approval of the fourth paragraph and write your name.

2. The application form for credit card interest reduction must be sincere and clearly state the reasons. Overdue credit cards will accrue high interest rates, but as cardholders who have financial difficulties, they can apply to the bank for interest reduction and exemption. They can submit an application form for overdue credit card reduction or exemption. In addition, whether the credit card can still be used after the installment suspension and suspension of accounts mainly depends on whether the credit card has been frozen before applying for suspension of interest and suspension of accounts. If it has not been frozen, the credit card can continue to be used after applying for suspension of interest payments. If the credit card is frozen, the credit card cannot be used after applying for suspension of interest payments.