Many people are unable to repay after applying for credit card purchases. At this time, they will be very worried and will be rejected when borrowing money from friends around them. So I asked, can I negotiate with the bank if my credit card is still unpaid? Regarding this issue, let me take you to find out together.

Bank credit card

In fact, if the credit card is not enough, you can negotiate with the bank. If the cardholder wants to apply for negotiated repayment, he should contact the bank and explain the reasons for negotiated repayment. The cardholder should truthfully reflect his own situation and inform the method in which he hopes to negotiate repayment. Under normal circumstances, banks will defer repayment.

However, it should be noted that the prerequisite for negotiating repayment with the bank is that the credit card has not been overdue. If it is overdue, it will be very difficult to negotiate again. In addition, cardholders should consider negotiating repayment plans in advance and choose minimum repayment or interest-free installment repayment, which will be more conducive to paying off the debt.