1. How can I negotiate with the bank if my credit card is sued for overdue?

After the credit card is sued for overdue, you should negotiate with the issuing bank about repayment. After receiving the court summons, you should immediately contact the issuing bank to show that you have no malice. After explaining the reasons for not repaying on time, the bank will not immediately ask for repayment. If you really have no money to repay, you can express your current difficulties to the bank and negotiate a new repayment plan with the bank. After the new repayment plan is determined, it must be repaid in time, and there can be no more overdue situations.

2. How to negotiate with the bank before credit card payment?

1, showing a positive repayment attitude.

If you want to negotiate with the bank, you can apply for extending the repayment period, repaying by installments or suspending repayment. After the deadline, you can't choose to ignore the arrears. Even if you can't pay all the overdue debts for a while, the cardholder should be able to pay back a little, so that you can show a positive willingness to repay when negotiating with the bank in the future.

2. Explain the reasons for overdue.

As long as the reasons for overdue, such as business failure or urgent need, are clearly explained, and sufficient information is prepared, the bank expresses its willingness to repay actively, and the bank will consider the cardholder's situation as appropriate. If the bank agrees, the cardholder can negotiate a new repayment plan with the bank and then repay according to the new repayment plan.

3. Ensure smooth communication.

If our credit card is overdue, the bank can't contact us, which will lead to the misunderstanding that we are avoiding repayment.

3. How long does it take to reapply for a credit card?

If the credit card is invalid, it usually takes three months or more to reapply, because everyone will be rejected differently. Applicants must first find out why Chushenka was rejected, and then solve this problem before the next application. If the income does not match, then more financial proof is needed. If there are overdue records in the credit report, it is necessary to let a good repayment record cover the previous overdue records. Of course, if you submit your application immediately after being rejected, you can consult the bank customer service first. If the bank customer service can submit it again, then there is no need for such a long interval.

Credit cards have a repayment period, and cardholders should return them on time. Once the repayment date is exceeded, it will lead to overdue behavior. Once the repayment is overdue for more than three months, the bank will sue the cardholder. If the cardholder is found to have malicious overdraft behavior, it will constitute the crime of credit card fraud and the cardholder will be sentenced to jail.

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication cases and make detailed and targeted answers for you, so as to avoid incorrect answers due to incomplete information and poor communication. I wish the rights protection success.