The specific operation is as follows:
1. Contact the bank: First of all, you need to contact the bank to which your credit card belongs, and you can communicate by calling the customer service hotline or logging in to online banking.
2. explanation: explain your repayment difficulties, such as overdue reasons and repayment amount, to the customer service staff of the bank, and express your wish to apply for personalized installment repayment.
3. provide information: according to the requirements of the bank, you may be required to provide relevant information such as identity certificate and income certificate, so that the bank can evaluate your repayment ability and risk.
4. determine the plan: the bank will assess your repayment ability according to your situation and bank regulations, and formulate corresponding personalized installment repayment plan, including the number of installments and installment interest rate. You need to negotiate with the bank to reach an agreement and determine the final repayment arrangement.
5. performance of the contract: once you have reached an understanding with the bank and established the installment repayment plan, you need to fulfill the repayment obligation according to the repayment method and time agreed in the agreement to ensure timely repayment according to the installment plan.
to sum up, it is necessary to contact the bank to explain the situation and provide relevant information to apply for personalized installment repayment of the bank, and finally determine the repayment plan and fulfill the contract.
Extended information:
Personalized installment repayment is a repayment arrangement made by banks according to customers' repayment ability. By applying for personalized installment repayment, customers can divide overdue or arrears into several equal installments according to their own conditions and needs, so as to reduce the repayment pressure and better manage their finances. Different banks may have some differences in personalized installment repayment, so it is recommended to carefully understand the policies and application processes of their respective banks during specific operations.
Please note that it is very important to comply with the bank regulations and repayment agreement and fulfill repayment obligations on time when applying for personalized installment repayment. In addition, repayment ability and risk assessment are important reference for banks to make plans, so it is suggested to keep good repayment records and financial management habits when using credit cards daily.
I hope the above information is helpful to you, and I wish you a smooth solution to the problem of overdue credit cards!