Stop payment negotiation:
1. Call to ask.
After making it clear that you are unable to repay the credit card or loan you owe, you must call the bank customer service before the repayment date to ask about the amount of principal, liquidated damages and interest you owe. You must be very gentle.
Example of speech: Hello, I am the customer service of XX credit card in the bank. Please help me check the principal, default interest and interest I owe on this credit card.
Second, give the reason of "irresistible"
According to the Measures for the Supervision and Administration of Credit Cards of Commercial Banks, cardholders can only apply for personalized installment if they are unable to repay. Therefore, before you apply, you must first show that you are overdue for irresistible reasons.
Example: At that time, it was overdue due to unemployment/illness and other reasons (external factors), and now there is really no money to pay it back.
After explaining the reasons, the general customer service will give you some suggestions: pay interest in installments, not pay interest in installments, and others.
Third, indicate the priority.
If the customer service of the bank gives advice on interest-bearing installment, how can we turn interest-bearing installment into a stop-payment account?
You can indicate the priority of banks, choose compulsory installment, and so on.
For example 1: Besides your bank, I still owe some loans and private loans. Now I want to give priority to clearing the overdue debts of your bank, but now the interest is too high. Can I apply for suspension of payment?
Ex. 2: The bank calls every day, which has reached the point of violence. I'd like to pay it back, but the interest is too high. Please help me apply for a suspense account. I will find some part-time jobs to make money to pay off your overdue debts.
The purpose of bank collection is also to hope that the debtor can repay in time. When the debtor makes it clear that "due to force majeure, he wants to repay the loan, but his financial ability is insufficient, and he is willing to give priority to repayment, but the interest is too high", the general bank will agree to stop paying the loan after verification.
The above is the answer to the question of "negotiation of closed account", and I hope it will help you. At the end of the article, I remind everyone that if the payment is suspended, the bank will sue the cardholder and the cardholder will be forced to repay by the court. If he refuses to pay back, he will become a broken promise.