1. How to negotiate with the bank to solve the overdue credit card of CITIC?
After the credit card is overdue, take the initiative to contact the bank as soon as possible, and call several times once it fails, explaining the reason why you haven't returned it, but this reason must stand up to scrutiny and there is no need to provide evidence to the bank. You can get yourself up to 60 repayments.
If the negotiation success rate is high, you should remember to keep relevant evidence at any time, whether you negotiate repayment with CITIC Bank or be violently collected. Keeping relevant evidence and giving feedback to the bank will help to negotiate more effectively. Remember, we must maintain a civilized and friendly attitude!
Sincerely show the willingness to repay to CITIC Bank, instead of refusing to repay because of malicious overdraft. The current economic situation really can't be repaid in one lump sum, but I have a job and will repay it on time and in quantity every month. Request to negotiate a plan acceptable to both parties.
Second, what should I do if I really can't afford it after the deadline?
If it is only a temporary turnover, you can borrow money from relatives and friends to make up for the loopholes and return it in time after the funds are in place. The explanation you can borrow is unusual. It is always less stressful to owe family and friends than to owe the bank.
If due to unexpected circumstances, such as unemployment or hospitalization, you can explain the situation to the bank and apply for deferred repayment.
If the cardholder loses the ability to work, is seriously ill and permanently disabled, has a major traffic accident, and cannot take care of himself, he can negotiate with the bank to reduce the credit card debt. If negotiation fails, he can reduce credit card debt through judicial organs.
3. Will the credit card be blacklisted if it refuses to repay after the deadline?
If the credit card is overdue, you should contact the bank in time to solve it and stop the loss in time to avoid serious situation. This situation will be blacklisted by banks.
If it is not returned for a long time, it may become a list of untrustworthy people after being sued by the bank. Once you become a faithless person, all aspects of your life will be affected, and buying a house, buying a car and traveling will bring a lot of inconvenience.
If the amount is large, it will face corresponding criminal responsibility, and even affect the education and career of future generations, which is not worth the candle.
The above is how to negotiate with the bank to solve the overdue credit card of CITIC. Credit cards can bring you convenience or drag you down the abyss, so you must control your consumption.