Credit cards are a product derived from the commodity society. While they bring us a lot of convenience, they also bring us a lot of trouble. Many people don’t know what to do with their overdue credit cards. This article is about it. Let’s analyze and discuss issues after credit card overdue.

When a credit card is overdue, many people’s first reaction is to escape. This is also a person’s instinctive reaction after encountering pressure; some people will negotiate with the bank. It is far easier to face difficulties directly than to escape. Much more astute. Some people who face difficulties can get a good result, such as suspension of installments.

Perhaps interest-free installment is the ultimate result that all people with overdue credit cards want! But do banks actually have this business? The result you want so much, does the bank really exist? All people with overdue credit cards must understand that banks do not offer interest-free installments or interest-free accounts. Suspended installments and interest-free accounts are the final results we want when negotiating with the bank for repayment. How to negotiate repayment with the bank after the credit card is overdue has become the top priority for overdue people. The right approach has a chance of getting the final desired result.

When you negotiate repayment with the bank, don’t rush to negotiate with the bank for interest-rate suspension installments or interest-rate suspension suspension. The answer you get will definitely be no, and the bank will tell you that they don’t. this business.

So what should we do specifically? What kind of language should you use to negotiate with the bank to get the bank to agree to suspend interest installments or suspend interest payments? You already know clearly the results you want, so you need to make sufficient preparations for your goals. If you want to do your job well, you must first sharpen your tools. This is the truth.

· The words and general ideas for negotiating installment installments

After the call is connected, you should speak to the other party calmly and ask the other party to first check with you how much money you need to pay off your credit card now. ? This amount must be accurate and detailed. What is the principal? How much is the interest? What is the liquidated damages? Your tone and attitude must be gentle. When the credit card customer service staff has finished checking for you, you have to tell him like this. You have to tell him the reason why you are overdue. For example, you are sick and you are overdue because of your illness. Now you are unable to pay back. What should you do?

Have you noticed that when you received collection calls in the past, they always asked you why you didn’t pay back the money? In fact, this is nonsense. Who has money and deliberately refuses to pay it back? At this time, you tell the bank your actual situation. Here it depends on whether you are fully prepared. Tell the bank that you are unable to repay the money now, but you don’t want the bank to misunderstand that you deliberately refused to repay the money. What should you do? Let the bank help you figure it out. For a bank to trust you, your reasons must be valid.

Note that the reason here is very important. It must be a suitable and irresistible reason. You should not tell the customer service staff that you have no job and no income. You are a living person who has no job and no income. Is the income glorious? Lack of money is not a reason not to pay back the money, but if we don’t have money and we can’t pay it back now, we can pay it back later when we have money, right?

Why should the reasons be sufficient and irresistible? Because the credit card supervision and management regulations of commercial banks clearly stipulate that personalized installment is only possible when the cardholder is unable to repay under certain conditions, and the bank may agree to your request. When you tell the customer service staff the reason why you are overdue, and also express to the customer service that you are temporarily unable to repay the debt, you need to consult the bank customer service staff in a timely manner. You can say, what should I do?

This is a rhetorical question. The bank’s customer service will generally provide you with some feasible suggestions based on the actual situation of the bank, or the bank’s similar handling methods, combined with your actual situation.

You need to use language to guide the bank’s customer service, so that the customer service can proactively provide you with interest-rate suspension or installment under “specific conditions” instead of directly proposing it to the bank. The priorities must be clearly distinguished.

If the bank's customer service does not suggest you to open the account or make an installment payment, then you need to continue chatting with the bank's customer service. This is a long process. If it is not a last resort, the bank will not be able to give you great benefits that are altruistic but not self-serving.

Remember, chatting at this time is making money, don’t be impatient, and you won’t be able to eat hot tofu if you are impatient.

At this time, you need to use numbers to express your sincerity, and at the same time make the customer service feel that you really want to pay back the money.

Pay attention to the monthly income and repayment amount here. They must be combined with your actual situation. Don't make promises and fail to deliver. It is meaningless to negotiate in that way. Try to reduce the monthly repayment amount to less than 1,000 yuan, so that you can reduce your future repayment pressure.

When negotiating with the bank for installment repayment, you must clearly understand your purpose and express your willingness to repay. This is more important than showing that you have the ability to repay. Willingness comes first, followed by your ability to repay.

After customer service hears your appeal, they will usually give 4 answers:

·Rejection

·Interest-bearing installment

· Suspension of installments

· Debt suspension

So how should we deal with these four answers?