First, the application method for credit card suspension of CCB

The application method for credit card suspension of CCB is as follows:

(1) Take the initiative to contact the bank. The cardholder finds that he can't pay off all the debts at one time. If he wants to handle the business of stopping the interest and paying the bill, he needs to contact China Construction Bank at the first time to clarify his financial situation, and then apply for stopping the interest and paying the bill.

(2) Call the CBRC to make a complaint. If CCB does not agree to the cardholder's application for suspension of interest payments, the cardholder can modify his own scheme, apply again, and call the CBRC or CCB headquarters to ask the other party to intervene, which will improve the probability of application passing.

2. What materials should be prepared for the credit card suspension of CCB

(1) Personal credit report. You need to prepare a personal credit report to apply for the suspension of credit card of CCB, which is a proof of personal credit. The bank must know what your overall credit is.

(2) personal income certificate. The bank's agreement to stop interest payments does not mean that the cardholder does not need to repay at all, but that the cardholder's economic situation is not optimistic and he cannot repay at one time. The bank can guess when the cardholder can pay off the debt according to the cardholder's personal income certificate.

(3) proof of special circumstances. For example, unemployment certificate, poverty certificate or serious illness certificate.

Third, the process of credit card suspension of CCB

(1) The cardholder calls the hotline to apply. When applying, cardholders should clearly state their own situation in all aspects and express their positive willingness to repay.

(2) the bank staff will review the cardholder's information. According to the cardholder's actual situation and credit qualification, the bank will decide whether to agree to the cardholder's application for suspension of interest payment.

(3) after the bank agrees to stop the interest payment, the cardholder needs to make repayment according to the relevant regulations. Once the second overdue is caused, the consequences will be more serious.

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