Call 95588 customer service first to explain the situation. Customer service will transfer the work order to the branch where you handle the credit card. The outlet will contact you for repayment negotiation, and the attitude must be good, indicating your determination to repay. Generally speaking, negotiations have a chance of success.

2. What are the ways to negotiate repayment?

1, you need to maintain a good attitude, because users are negotiating, not asking, and a good attitude will be much better;

2. You need to be able to repay, and you need to put forward reasonable installment requirements according to your own situation and the amount owed;

3. Do not evade arrears, do not evade collection, and do not lose contact.

3. Does the agreed repayment have an impact on credit reporting?

If the repayment request is made to the bank after the deadline, the bad record that was overdue before has been generated and cannot be revoked, which will have a negative impact on the credit investigation; If the bank is required to negotiate repayment before the deadline and pay off the arrears, it will not affect the credit investigation. However, even if you pay off the negotiated arrears, you will still be an untrustworthy user for the bank, and the review will be stricter when applying for loans in the future, and the chances of lending will be reduced.