The only way to apply for overdue deactivation of credit cards is to apply to the bank. After the deadline, you can contact the official customer service phone number of the bank credit card center, and then transfer to manual service according to the voice prompt, and apply to the customer service for overdue suspension of the credit card.

For eligible cardholders, after the customer service completes the personal identity verification, it will apply for the user to stop paying interest, and then the cardholder only needs to wait for the system to pass the examination.

According to Article 70 of the Measures for the Supervision and Administration of Credit Cards of Commercial Banks issued by China Banking Regulatory Commission, under special circumstances, if it is confirmed that the credit card arrears exceed the cardholder's repayment ability and the cardholder still has the willingness to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement, the longest of which is no more than 5 years, that is, 60 installments.

How to stop credit card payment

There are four steps to stop payment after the credit card is overdue:

1. First, notify the bank to apply for credit card negotiation installment;

2. Then submit the information according to the requirements of the bank;

3. Wait for the bank to review before calling;

4. Sign a negotiation agreement and start repayment.

Suggestions for action:

1. First notify the bank and apply for credit card negotiation by installment. Or find a bank credit card customer service to help us calculate our principal and interest, and then decide whether the number of negotiated periods is affordable. After considering it, contact the customer service of the bank, express your demand for negotiation and staging, let the bank register well, and then wait for the bank to call back!

2. Then submit the information as required by the bank. Don't make it up. If there are difficulties, there will be difficulties, and the advantages will be released, but we must also remember to foster strengths and avoid weaknesses, and do not mention what should not be mentioned, and then prepare the proof required by the bank. Cardholders should have reasonable reasons to apply for suspension of payment. Common and reasonable reasons, such as the impact of the epidemic, product sales blocked, wages and bonuses stopped, raw material procurement difficulties, because the government regulations must be closed (such as the catering industry must be closed), or other difficulties. Tell your reasonable reasons and submit some convincing evidence.

At the same time, the cardholder should provide digital proof that the amount owed by the credit card exceeds his current repayment ability. It is not recommended to open the L/C in advance, just open the L/C and upload it within the specified time. You know why.

3. Wait for the bank to check before calling. The first telephone representative is still negotiating, such as how many installments and how much each installment costs. The second call tells whether the negotiation is successful or not. If it is successful, the number of installments, the amount and the relief will be confirmed and recorded. Generally, you will encounter various problems such as the customer service does not handle it and the bank does not agree to negotiate. Besides sincerity, you need strategy and perseverance. At present, many institutions or individuals have related agency business. If you don't have the confidence to handle it yourself, it's best to entrust a reliable institution or an individual you know offline. Online advertisements generally have exaggerated elements. Pay attention to discrimination, the point is generally 10%. Don't believe it if the charge is too high, and stay away if the charge is too low. Unless the amount is hundreds of thousands or millions, it is basically unreliable to charge you one or two points. The operation period is about 10~60 days. Bian Xiao reminds you here that the negotiation must be divided into specific situations by the bank. Don't ask about your situation, just make sure you get it in a few days and make sure it can be divided into 60 installments.

4. Sign a negotiation agreement and start repayment. After the negotiation is successful, the signing is not unified. Some banks are recorded, some banks are electronically signed, and some need written signatures from offline outlets. It should be noted that if the negotiation is successful, it can no longer be overdue, and it may face a second overdue. Of course, each bank's policy is different, and everyone's situation is different. Most banks can still negotiate the principal in stages, and some banks are only willing not to cut interest rates in stages, so priority should be given.

How to apply for a credit card to stop payment?

1. How to apply for credit card cancellation?

When the consumption amount is too high, but you take the initiative to repay and need to apply for an extension of repayment time.

1. Although credit cards provide convenience for people's consumption and payment, when the consumption amount is too high and exceeds their repayment ability, individuals can negotiate with the bank to apply for suspension of interest calculation and loss reporting.

2. When it is confirmed that the cardholder is unable to repay in one lump sum, he can negotiate with the bank for personalized installment repayment, and the longest repayment period shall not exceed 5 years.

Second, what will be the impact of the suspension of credit card use?

1. If the suspension of installment payment by credit card is a malicious loans overdue, it may affect the credit investigation; If it is not malicious, it may not affect the credit information.

2. You can declare that you are not malicious and apply for deferred repayment and interest concessions. In view of the cardholder's positive performance and previous good credit record, banks often agree to postpone repayment, and negotiate with the cardholder the repayment plan, extension period, interest discount and monthly repayment amount acceptable to both parties. In this way, if you take the initiative to contact the bank and the bank agrees to postpone the repayment, you will not be recorded in the bad record, but it should be noted that you will be guaranteed to repay the loan as agreed in the future.

3. If you are usually negligent in repayment, you must repay as soon as possible, preferably in full, after you find that it is overdue. Then call the bank's credit card center to declare that there is no malice. If the past record is good and the overdue time is short, if the repayment is found to be good after the overdue, it may not be recorded in the bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notice and collection information to avoid overdue.

4. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If you terminate with a card, the corresponding record will not scroll, but will be saved for a long time.

Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years, during which time, to maintain a good credit, so that the bad records can be cleared from the credit information system through rolling records.

3. How to apply for suspension of payment?

1. Call the official customer service phone of the bank to make an appointment for repayment;

2. Make an appointment at a bank outlet and apply for suspension of payment;

3. Negotiate at bank outlets to stop paying interest, emphasizing their willingness to repay and the current predicament;

4. After negotiation, a new repayment agreement can be signed, and the bank can stop the interest and hang the account;

5. If negotiation fails, apply through legal channels.

This concludes the introduction of how to disable credit cards and how to disable them. I wonder if you have found the information you need?