First, although it has been said before that credit cards are unable to repay after they are overdue and how to negotiate, there are still some debtors with serious overdue credit cards who don't know how to solve them. In the attitude of answering questions, today, in another issue, I will talk to you about how to solve the problem that credit cards cannot be repaid after they are overdue. Follow these four steps and actively negotiate with the bank. 80% of them can be negotiated successfully, stop interest and only pay back the principal. Negotiating personalized staging is actually not that difficult!
Take the initiative to contact the credit card issuing bank, inquire about the amount owed, interest, liquidated damages and penalty interest, and negotiate the repayment method after installment. When you know that your credit card is overdue, you must call the issuing bank in time to explain your situation. The most important thing is to show your willingness to repay voluntarily and explain the current economic difficulties. In addition, you must also ask about the overdue amount, penalty interest, liquidated damages, etc. And how to repay after negotiation. Generally speaking, it can be divided into 12, 24, 48 and 60 periods. The suggestion is to negotiate directly according to 60 issues anyway.
Second, at first, we can talk in the longest stage. Even if we can't reach an agreement, we can continue to negotiate according to 48, so there is still room for recovery. Applying for 60 issues here is also to strive for the greatest rights and interests. Among them, the most important thing in the negotiation process is to prove that you can fully afford these amounts after staging. If there is income to prove that wages are mobile, these as auxiliary materials will be easier to pass!
Third, after the negotiation, you will receive a return call from the bank. At this time, you should explain your special situation again. In fact, these are all within the scope of laws and regulations. After receiving the return visit dialogue, we can basically negotiate. If you need to add some materials at this time, you must actively cooperate. Remember to record during the call. At this time, just relax and prepare to supplement the application materials!
After the bank agrees to negotiate the installment, it needs to clarify the repayment period and repayment amount again. When the bank calls, it must remember to recall all or leave a written record. Under special circumstances, these are all evidence to prevent the bank from going back on its word in the future! I have been in business for six years, and I often encounter such feedback: the phone call is from a third-party collection company, asking for repayment. Accurately speaking, this repayment is induced, not by the bank. This must be paid special attention to. If you don't record, don't ask the other party's job number, take the initiative to repay, and the penalty interest and liquidated damages may not be less. Generally speaking, such third-party collectors are performance-oriented, and all repayments may be made in Shui Piao.