if the cardholder is really unable to repay, but also willing to repay, he can negotiate with the issuing bank on an equal footing and reach a personalized repayment installment agreement, which shall not exceed 5 years at the longest. In this way, you can gradually reduce your financial pressure.

Credit card overdue negotiation repayment skills, interest-free installment negotiation three steps:

First, prepare your materials, proof materials to prove your liabilities and income, and give them to the bank, usually credit report and income certificate issued by the company or unit, etc., to prove that you have stable repayment ability.

second, what kind of repayment plan do you give to the bank? For example, you want to divide it into 12 installments, 24 installments, 3 installments, 48 installments and 6 installments at the longest, and how much is each installment. Be specific to the detailed figures. This plan must be reasonable, acceptable to you and acceptable to the bank. If you owe 4, yuan, it will be reasonable to repay 2, yuan in 2 interest-free installments.

Third, the bank or the collection company has violated the rules, so you can use it as a favorable basis for negotiations. Finally, you must make money well, and try your best to make money when the law allows. All the prerequisites for repayment are that you have the repayment ability, otherwise everything will be in vain.

Extended information:

1. Consequences of overdue credit card:

1. Double penalty is calculated from the overdue date;

2. It affects personal credit information;

3. It is suspected of credit card fraud, and criminal responsibility shall be investigated according to law.

2. Credit card debt can be transferred, but it must be approved by the issuing bank, that is, the creditor. Procedures for debt transfer:

1. Debt transfer must be effective, and the effective existence of debt is the premise of debt transfer;

2. In debt transfer, the transferred debt must be transferable;

3. The third party must reach an agreement with the creditor or debtor on the transfer of the debt;

4. The transfer of debt must be approved by the creditor.

third, is the credit card debt the same as the husband and wife?

1. If both husband and wife agree to borrow credit card debt, this debt should be regarded as the same debt of husband and wife; 2, or both husband and wife have * * * to enjoy the benefits brought by this debt, then this debt should also be regarded as the same debt of husband and wife; 3. If one party didn't know when the other party used the credit card, but afterwards enjoyed the benefits brought by the credit card consumption, it also belongs to the same debt.